Call reports 2008
PIONEER BANK — 2008
What PIONEER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,017,000 | 98,583,000 | 100,962,000 | 103,161,000 |
| Total loans | 65,372,000 | 69,966,000 | 74,478,000 | 73,088,000 |
| Allowance for loan losses | 1,118,000 | 1,095,000 | 1,109,000 | 1,129,000 |
| Securities available for sale | 25,123,000 | 21,897,000 | 21,345,000 | 20,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,497,000 | 86,189,000 | 85,855,000 | 89,254,000 |
| Interest-bearing deposits | 72,446,000 | 69,496,000 | 69,796,000 | 71,671,000 |
| Noninterest-bearing deposits | 16,051,000 | 16,693,000 | 16,059,000 | 17,583,000 |
| Equity capital | 12,015,000 | 11,880,000 | 12,057,000 | 12,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,925,000 | 4,388,000 | 5,853,000 |
| Interest expense | 536,000 | 1,019,000 | 1,459,000 | 1,885,000 |
| Net interest income | 955,000 | 1,906,000 | 2,929,000 | 3,968,000 |
| Noninterest income | 151,000 | 291,000 | 417,000 | 567,000 |
| Noninterest expense | 931,000 | 1,875,000 | 2,799,000 | 3,776,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 175,000 | 322,000 | 537,000 | 749,000 |
| Income tax | 45,000 | 78,000 | 141,000 | 202,000 |
| Net income | 130,000 | 244,000 | 396,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,858,000 | 11,948,000 | 12,100,000 | 12,226,000 |
| Total capital | 12,703,000 | 12,844,000 | 13,054,000 | 13,137,000 |
| Risk-weighted assets | 67,346,000 | 71,471,000 | 76,138,000 | 74,716,000 |