Call reports 2015
PIONEER BANK — 2015
What PIONEER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 127,637,000 | 122,839,000 | 124,830,000 | 133,353,000 |
| Total loans | 98,197,000 | 97,704,000 | 100,224,000 | 102,240,000 |
| Allowance for loan losses | 740,000 | 755,000 | 605,000 | 1,022,000 |
| Securities available for sale | 10,541,000 | 8,364,000 | 6,668,000 | 6,683,000 |
| Securities held to maturity | 2,150,000 | 2,150,000 | 2,150,000 | 2,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,380,000 | 108,487,000 | 110,128,000 | 119,170,000 |
| Interest-bearing deposits | 83,707,000 | 80,360,000 | 81,484,000 | 85,678,000 |
| Noninterest-bearing deposits | 29,673,000 | 28,127,000 | 28,644,000 | 33,492,000 |
| Equity capital | 13,860,000 | 13,946,000 | 14,089,000 | 13,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,549,000 | 3,882,000 | 5,228,000 |
| Interest expense | 50,000 | 99,000 | 150,000 | 202,000 |
| Net interest income | 1,209,000 | 2,450,000 | 3,732,000 | 5,026,000 |
| Noninterest income | 139,000 | 287,000 | 455,000 | 607,000 |
| Noninterest expense | 1,273,000 | 2,517,000 | 3,767,000 | 5,200,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 435,000 |
| Pretax income | 75,000 | 234,000 | 419,000 | 17,000 |
| Income tax | 27,000 | 64,000 | 126,000 | -42,000 |
| Net income | 48,000 | 170,000 | 293,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,789,000 | 13,912,000 | 13,735,000 | 13,490,000 |
| Total capital | 14,529,000 | 14,667,000 | 14,340,000 | 14,513,000 |
| Risk-weighted assets | 106,326,000 | 107,758,000 | 109,262,000 | 111,327,000 |