Call reports 2003
PIONEER NATIONAL BANK OF DULUTH, THE — 2003
What PIONEER NATIONAL BANK OF DULUTH, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,613,000 | 71,506,000 | 70,411,000 | 69,951,000 |
| Total loans | 40,264,000 | 45,560,000 | 46,485,000 | 48,413,000 |
| Allowance for loan losses | 653,000 | 651,000 | 653,000 | 658,000 |
| Securities available for sale | 15,218,000 | 15,337,000 | 13,469,000 | 12,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,322,000 | 59,729,000 | 60,538,000 | 60,030,000 |
| Interest-bearing deposits | 51,308,000 | 50,026,000 | 49,714,000 | 48,916,000 |
| Noninterest-bearing deposits | 9,014,000 | 9,703,000 | 10,824,000 | 11,114,000 |
| Equity capital | 6,925,000 | 6,547,000 | 6,537,000 | 6,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,964,000 | 2,938,000 | 3,902,000 |
| Interest expense | 205,000 | 405,000 | 582,000 | 750,000 |
| Net interest income | 781,000 | 1,559,000 | 2,356,000 | 3,152,000 |
| Noninterest income | 90,000 | 173,000 | 269,000 | 338,000 |
| Noninterest expense | 641,000 | 1,314,000 | 1,987,000 | 2,653,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 497,000 | 736,000 | 939,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 308,000 | 496,000 | 734,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,299,000 | 5,984,000 | 6,121,000 | 6,253,000 |
| Total capital | 6,893,000 | 6,609,000 | 6,743,000 | 6,889,000 |
| Risk-weighted assets | 47,451,000 | 50,006,000 | 49,702,000 | 50,835,000 |
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