Call reports 2007
PIONEER NATIONAL BANK OF DULUTH, THE — 2007
What PIONEER NATIONAL BANK OF DULUTH, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,483,000 | 77,624,000 | 77,494,000 | 78,622,000 |
| Total loans | 60,675,000 | 63,449,000 | 62,151,000 | 63,622,000 |
| Allowance for loan losses | 696,000 | 696,000 | 696,000 | 696,000 |
| Securities available for sale | 7,904,000 | 7,589,000 | 7,964,000 | 8,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,244,000 | 64,048,000 | 65,860,000 | 64,945,000 |
| Interest-bearing deposits | 54,285,000 | 53,599,000 | 55,857,000 | 52,542,000 |
| Noninterest-bearing deposits | 10,959,000 | 10,449,000 | 10,003,000 | 12,403,000 |
| Equity capital | 6,993,000 | 6,991,000 | 7,208,000 | 7,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,597,000 | 3,962,000 | 5,275,000 |
| Interest expense | 363,000 | 757,000 | 1,183,000 | 1,575,000 |
| Net interest income | 908,000 | 1,840,000 | 2,779,000 | 3,700,000 |
| Noninterest income | 112,000 | 193,000 | 255,000 | 327,000 |
| Noninterest expense | 696,000 | 1,420,000 | 2,095,000 | 2,778,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 324,000 | 613,000 | 939,000 | 1,249,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 323,000 | 612,000 | 937,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,955,000 | 7,072,000 | 7,225,000 | 7,050,000 |
| Total capital | 7,651,000 | 7,768,000 | 7,921,000 | 7,746,000 |
| Risk-weighted assets | 61,701,000 | 62,415,000 | 61,927,000 | 63,427,000 |
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