Call reports 2004
PIONEER BANK, NATIONAL ASSOCIATION — 2004
What PIONEER BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 660,775,000 | 667,573,000 | 674,031,000 | 680,523,000 |
| Total loans | 347,321,000 | 349,726,000 | 352,188,000 | 353,276,000 |
| Allowance for loan losses | 4,665,000 | 4,810,000 | 5,007,000 | 5,167,000 |
| Securities available for sale | 229,038,000 | 226,011,000 | 227,810,000 | 235,993,000 |
| Securities held to maturity | 279,000 | 241,000 | 213,000 | 3,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,711,000 | 593,051,000 | 596,513,000 | 602,643,000 |
| Interest-bearing deposits | 529,975,000 | 539,113,000 | 539,744,000 | 543,041,000 |
| Noninterest-bearing deposits | 51,736,000 | 53,938,000 | 56,769,000 | 59,602,000 |
| Equity capital | 69,032,000 | 66,443,000 | 69,042,000 | 69,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,176,000 | 14,225,000 | 21,409,000 | 28,914,000 |
| Interest expense | 2,365,000 | 4,704,000 | 7,085,000 | 9,520,000 |
| Net interest income | 4,811,000 | 9,521,000 | 14,324,000 | 19,394,000 |
| Noninterest income | 1,341,000 | 2,690,000 | 4,139,000 | 5,656,000 |
| Noninterest expense | 4,586,000 | 9,357,000 | 13,878,000 | 18,663,000 |
| Provision for loan losses | 175,000 | 350,000 | 525,000 | 700,000 |
| Pretax income | 1,391,000 | 2,501,000 | 4,057,000 | 5,684,000 |
| Income tax | 500,000 | 860,000 | 1,433,000 | 1,965,000 |
| Net income | 891,000 | 1,641,000 | 2,624,000 | 3,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,460,000 | 68,210,000 | 69,193,000 | 70,288,000 |
| Total capital | 71,813,000 | 72,487,000 | 73,502,000 | 74,691,000 |
| Risk-weighted assets | 314,208,000 | 319,647,000 | 322,135,000 | 320,661,000 |
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