Call reports 2007
PIONEER BANK — 2007
What PIONEER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,954,000 | 100,465,000 | 101,259,000 | 102,816,000 |
| Total loans | 65,372,000 | 65,872,000 | 66,654,000 | 65,310,000 |
| Allowance for loan losses | 1,254,000 | 1,197,000 | 1,176,000 | 1,141,000 |
| Securities available for sale | 31,202,000 | 28,762,000 | 27,320,000 | 27,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,165,000 | 84,713,000 | 85,694,000 | 88,514,000 |
| Interest-bearing deposits | 73,410,000 | 69,704,000 | 69,882,000 | 71,660,000 |
| Noninterest-bearing deposits | 13,755,000 | 15,009,000 | 15,812,000 | 16,854,000 |
| Equity capital | 11,228,000 | 11,177,000 | 11,492,000 | 11,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,036,000 | 4,545,000 | 6,094,000 |
| Interest expense | 617,000 | 1,239,000 | 1,853,000 | 2,444,000 |
| Net interest income | 896,000 | 1,797,000 | 2,692,000 | 3,650,000 |
| Noninterest income | 143,000 | 263,000 | 401,000 | 551,000 |
| Noninterest expense | 947,000 | 1,893,000 | 2,813,000 | 3,731,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 147,000 | 260,000 | 456,000 |
| Income tax | 6,000 | -4,000 | 12,000 | 66,000 |
| Net income | 86,000 | 151,000 | 248,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,475,000 | 11,515,000 | 11,611,000 | 11,729,000 |
| Total capital | 12,311,000 | 12,348,000 | 12,455,000 | 12,566,000 |
| Risk-weighted assets | 66,428,000 | 66,292,000 | 67,214,000 | 66,688,000 |