Call reports 2003
PIONEER STATE BANK — 2003
What PIONEER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,352,000 | 22,970,000 | 21,524,000 | 22,523,000 |
| Total loans | 11,848,000 | 12,163,000 | 12,591,000 | 13,171,000 |
| Allowance for loan losses | 187,000 | 187,000 | 200,000 | 193,000 |
| Securities available for sale | 7,570,000 | 7,661,000 | 7,411,000 | 7,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,818,000 | 18,322,000 | 16,473,000 | 17,549,000 |
| Interest-bearing deposits | 16,345,000 | 16,575,000 | 15,031,000 | 15,163,000 |
| Noninterest-bearing deposits | 1,473,000 | 1,747,000 | 1,442,000 | 2,386,000 |
| Equity capital | 3,308,000 | 3,428,000 | 3,395,000 | 3,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 608,000 | 896,000 | 1,175,000 |
| Interest expense | 104,000 | 203,000 | 290,000 | 364,000 |
| Net interest income | 211,000 | 405,000 | 606,000 | 811,000 |
| Noninterest income | 29,000 | 59,000 | 95,000 | 121,000 |
| Noninterest expense | 159,000 | 317,000 | 479,000 | 643,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 90,000 | 158,000 | 240,000 | 307,000 |
| Income tax | 24,000 | 41,000 | 63,000 | 73,000 |
| Net income | 66,000 | 117,000 | 177,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,070,000 | 3,122,000 | 3,192,000 | 3,190,000 |
| Total capital | 3,246,000 | 3,306,000 | 3,378,000 | 3,383,000 |
| Risk-weighted assets | 14,101,000 | 14,699,000 | 14,865,000 | 15,594,000 |