Call reports 2009
PIONEER BANK — 2009
What PIONEER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,897,000 | 100,585,000 | 99,575,000 | 105,247,000 |
| Total loans | 73,633,000 | 76,884,000 | 75,618,000 | 72,081,000 |
| Allowance for loan losses | 1,093,000 | 1,092,000 | 1,046,000 | 808,000 |
| Securities available for sale | 21,246,000 | 17,688,000 | 16,225,000 | 16,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,934,000 | 86,499,000 | 85,342,000 | 92,108,000 |
| Interest-bearing deposits | 71,583,000 | 71,255,000 | 70,070,000 | 73,639,000 |
| Noninterest-bearing deposits | 15,351,000 | 15,244,000 | 15,272,000 | 18,469,000 |
| Equity capital | 12,535,000 | 12,593,000 | 12,772,000 | 12,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 2,837,000 | 4,246,000 | 5,619,000 |
| Interest expense | 387,000 | 750,000 | 1,079,000 | 1,364,000 |
| Net interest income | 1,040,000 | 2,087,000 | 3,167,000 | 4,255,000 |
| Noninterest income | 150,000 | 285,000 | 410,000 | 555,000 |
| Noninterest expense | 1,011,000 | 2,057,000 | 3,110,000 | 4,137,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 179,000 | 323,000 | 480,000 | 667,000 |
| Income tax | 50,000 | 84,000 | 127,000 | 215,000 |
| Net income | 129,000 | 239,000 | 353,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,355,000 | 12,440,000 | 12,554,000 | 12,628,000 |
| Total capital | 13,276,000 | 13,343,000 | 13,470,000 | 13,436,000 |
| Risk-weighted assets | 73,514,000 | 73,848,000 | 73,128,000 | 73,980,000 |