Call reports 2005
PIONEER BANK & TRUST — 2005
What PIONEER BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 288,467,000 | 289,979,000 | 287,915,000 | 294,324,000 |
| Total loans | 142,984,000 | 146,391,000 | 149,892,000 | 141,243,000 |
| Allowance for loan losses | 1,592,000 | 1,536,000 | 1,541,000 | 1,535,000 |
| Securities available for sale | 124,659,000 | 116,719,000 | 116,120,000 | 126,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,998,000 | 255,558,000 | 251,809,000 | 258,000,000 |
| Interest-bearing deposits | 223,491,000 | 241,072,000 | 236,214,000 | 244,648,000 |
| Noninterest-bearing deposits | 22,507,000 | 14,486,000 | 15,595,000 | 13,352,000 |
| Equity capital | 31,285,000 | 29,018,000 | 29,732,000 | 29,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,482,000 | 7,186,000 | 11,017,000 | 14,964,000 |
| Interest expense | 797,000 | 1,683,000 | 2,682,000 | 3,865,000 |
| Net interest income | 2,685,000 | 5,503,000 | 8,335,000 | 11,099,000 |
| Noninterest income | 721,000 | 1,469,000 | 2,226,000 | 3,285,000 |
| Noninterest expense | 1,677,000 | 3,377,000 | 5,148,000 | 7,689,000 |
| Provision for loan losses | 64,000 | 10,000 | 226,000 | 368,000 |
| Pretax income | 1,562,000 | 3,310,000 | 4,918,000 | 6,058,000 |
| Income tax | 420,000 | 900,000 | 1,465,000 | 1,710,000 |
| Net income | 1,142,000 | 2,410,000 | 3,453,000 | 4,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,601,000 | 29,538,000 | 30,581,000 | 31,476,000 |
| Total capital | 34,193,000 | 31,074,000 | 32,122,000 | 33,011,000 |
| Risk-weighted assets | 176,546,000 | 179,536,000 | 182,594,000 | 179,479,000 |