Call reports 2010
PIONEER BANK — 2010
What PIONEER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 104,928,000 | 104,188,000 | 104,236,000 | 108,376,000 |
| Total loans | 71,840,000 | 72,380,000 | 73,772,000 | 75,163,000 |
| Allowance for loan losses | 803,000 | 713,000 | 728,000 | 722,000 |
| Securities available for sale | 18,482,000 | 21,234,000 | 21,082,000 | 21,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,741,000 | 90,623,000 | 90,237,000 | 94,669,000 |
| Interest-bearing deposits | 75,396,000 | 74,699,000 | 72,988,000 | 75,287,000 |
| Noninterest-bearing deposits | 16,345,000 | 15,924,000 | 17,249,000 | 19,382,000 |
| Equity capital | 12,832,000 | 13,036,000 | 13,348,000 | 13,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,551,000 | 3,850,000 | 5,153,000 |
| Interest expense | 260,000 | 505,000 | 730,000 | 931,000 |
| Net interest income | 1,007,000 | 2,046,000 | 3,120,000 | 4,222,000 |
| Noninterest income | 141,000 | 265,000 | 399,000 | 527,000 |
| Noninterest expense | 1,050,000 | 2,042,000 | 3,022,000 | 4,048,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 93,000 | 259,000 | 482,000 | 622,000 |
| Income tax | 23,000 | 75,000 | 151,000 | 193,000 |
| Net income | 70,000 | 184,000 | 331,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,698,000 | 12,787,000 | 12,933,000 | 13,007,000 |
| Total capital | 13,501,000 | 13,500,000 | 13,661,000 | 13,729,000 |
| Risk-weighted assets | 73,241,000 | 75,804,000 | 76,731,000 | 77,936,000 |