Call reports 2014
PIONEER BANK — 2014
What PIONEER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 123,888,000 | 119,776,000 | 124,037,000 | 130,551,000 |
| Total loans | 88,409,000 | 88,749,000 | 89,758,000 | 92,715,000 |
| Allowance for loan losses | 511,000 | 556,000 | 592,000 | 734,000 |
| Securities available for sale | 17,166,000 | 14,999,000 | 12,963,000 | 11,444,000 |
| Securities held to maturity | 2,150,000 | 2,150,000 | 2,150,000 | 2,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,998,000 | 105,796,000 | 109,929,000 | 116,472,000 |
| Interest-bearing deposits | 85,314,000 | 80,883,000 | 81,603,000 | 83,582,000 |
| Noninterest-bearing deposits | 24,684,000 | 24,913,000 | 28,326,000 | 32,890,000 |
| Equity capital | 13,485,000 | 13,610,000 | 13,705,000 | 13,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,361,000 | 3,567,000 | 4,903,000 |
| Interest expense | 60,000 | 118,000 | 174,000 | 228,000 |
| Net interest income | 1,112,000 | 2,243,000 | 3,393,000 | 4,675,000 |
| Noninterest income | 135,000 | 284,000 | 421,000 | 548,000 |
| Noninterest expense | 1,104,000 | 2,187,000 | 3,281,000 | 4,517,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 113,000 | 292,000 | 455,000 | 618,000 |
| Income tax | 29,000 | 87,000 | 139,000 | 190,000 |
| Net income | 84,000 | 205,000 | 316,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,520,000 | 13,630,000 | 13,742,000 |
| Total capital | 13,909,000 | 14,076,000 | 14,222,000 | 14,476,000 |
| Risk-weighted assets | 93,653,000 | 95,631,000 | 97,177,000 | 101,321,000 |