Call reports 2008
PIONEER BANK & TRUST — 2008
What PIONEER BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 344,871,000 | 354,265,000 | 360,700,000 | 356,124,000 |
| Total loans | 170,952,000 | 181,570,000 | 183,761,000 | 179,650,000 |
| Allowance for loan losses | 1,546,000 | 1,596,000 | 1,689,000 | 1,736,000 |
| Securities available for sale | 134,894,000 | 138,302,000 | 142,597,000 | 152,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,167,000 | 314,677,000 | 320,464,000 | 313,040,000 |
| Interest-bearing deposits | 280,450,000 | 289,136,000 | 294,410,000 | 285,871,000 |
| Noninterest-bearing deposits | 24,717,000 | 25,541,000 | 26,054,000 | 27,169,000 |
| Equity capital | 34,195,000 | 33,435,000 | 34,181,000 | 35,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,776,000 | 9,420,000 | 14,089,000 | 18,666,000 |
| Interest expense | 1,811,000 | 3,362,000 | 4,872,000 | 6,170,000 |
| Net interest income | 2,965,000 | 6,058,000 | 9,217,000 | 12,496,000 |
| Noninterest income | 933,000 | 1,901,000 | 2,871,000 | 4,111,000 |
| Noninterest expense | 1,759,000 | 3,555,000 | 5,841,000 | 8,521,000 |
| Provision for loan losses | 8,000 | 75,000 | 167,000 | 317,000 |
| Pretax income | 2,212,000 | 4,373,000 | 6,260,000 | 7,594,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 280,000 |
| Net income | 2,137,000 | 4,223,000 | 6,035,000 | 7,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,849,000 | 33,686,000 | 34,246,000 | 34,426,000 |
| Total capital | 34,395,000 | 35,282,000 | 35,935,000 | 36,162,000 |
| Risk-weighted assets | 200,492,000 | 211,959,000 | 213,935,000 | 208,512,000 |