Call reports 2016
PIONEER BANK — 2016
What PIONEER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 132,896,000 | 131,575,000 | 134,709,000 | 136,726,000 |
| Total loans | 106,192,000 | 106,574,000 | 109,012,000 | 108,353,000 |
| Allowance for loan losses | 1,056,000 | 1,068,000 | 1,104,000 | 1,122,000 |
| Securities available for sale | 7,893,000 | 7,215,000 | 6,444,000 | 7,613,000 |
| Securities held to maturity | 2,150,000 | 2,150,000 | 2,150,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,594,000 | 117,044,000 | 120,122,000 | 122,035,000 |
| Interest-bearing deposits | 88,505,000 | 87,160,000 | 86,685,000 | 89,581,000 |
| Noninterest-bearing deposits | 30,089,000 | 29,884,000 | 33,437,000 | 32,454,000 |
| Equity capital | 13,965,000 | 14,089,000 | 14,145,000 | 14,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,367,000 | 2,765,000 | 4,195,000 | 5,650,000 |
| Interest expense | 55,000 | 115,000 | 177,000 | 242,000 |
| Net interest income | 1,312,000 | 2,650,000 | 4,018,000 | 5,408,000 |
| Noninterest income | 141,000 | 271,000 | 421,000 | 565,000 |
| Noninterest expense | 1,271,000 | 2,563,000 | 3,954,000 | 5,141,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 105,000 |
| Pretax income | 152,000 | 298,000 | 395,000 | 727,000 |
| Income tax | 45,000 | 89,000 | 113,000 | 229,000 |
| Net income | 107,000 | 209,000 | 282,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,449,000 | 13,564,000 | 13,640,000 | 14,019,000 |
| Total capital | 14,505,000 | 14,633,000 | 14,746,000 | 15,141,000 |
| Risk-weighted assets | 113,736,000 | 114,175,000 | 116,532,000 | 116,619,000 |