Call reports 2009
PIONEER NATIONAL BANK OF DULUTH, THE — 2009
What PIONEER NATIONAL BANK OF DULUTH, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,643,000 | 83,131,000 | 81,592,000 | 81,637,000 |
| Total loans | 69,870,000 | 70,442,000 | 67,419,000 | 66,451,000 |
| Allowance for loan losses | 589,000 | 591,000 | 509,000 | 511,000 |
| Securities available for sale | 6,688,000 | 6,455,000 | 6,107,000 | 5,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,352,000 | 67,636,000 | 66,831,000 | 66,602,000 |
| Interest-bearing deposits | 58,185,000 | 56,032,000 | 55,548,000 | 54,700,000 |
| Noninterest-bearing deposits | 9,167,000 | 11,604,000 | 11,283,000 | 11,902,000 |
| Equity capital | 7,429,000 | 7,610,000 | 7,975,000 | 7,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,540,000 | 3,781,000 | 4,979,000 |
| Interest expense | 297,000 | 554,000 | 771,000 | 964,000 |
| Net interest income | 985,000 | 1,986,000 | 3,010,000 | 4,015,000 |
| Noninterest income | 71,000 | 133,000 | 143,000 | 205,000 |
| Noninterest expense | 709,000 | 1,457,000 | 2,174,000 | 2,930,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 314,000 | 599,000 | 896,000 | 1,207,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 313,000 | 598,000 | 894,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,542,000 | 7,704,000 | 7,907,000 | 7,707,000 |
| Total capital | 8,131,000 | 8,295,000 | 8,416,000 | 8,218,000 |
| Risk-weighted assets | 68,312,000 | 68,850,000 | 66,806,000 | 66,839,000 |
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