Call reports 2004
PIONEER STATE BANK — 2004
What PIONEER STATE BANK 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 | 23,571,000 | 24,009,000 | 24,832,000 | 24,016,000 |
| Total loans | 14,434,000 | 14,612,000 | 14,864,000 | 13,889,000 |
| Allowance for loan losses | 195,000 | 195,000 | 195,000 | 195,000 |
| Securities available for sale | 7,392,000 | 7,072,000 | 7,542,000 | 7,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,282,000 | 17,205,000 | 19,061,000 | 19,221,000 |
| Interest-bearing deposits | 15,640,000 | 15,428,000 | 17,329,000 | 17,374,000 |
| Noninterest-bearing deposits | 1,642,000 | 1,777,000 | 1,732,000 | 1,847,000 |
| Equity capital | 3,516,000 | 3,391,000 | 3,574,000 | 3,537,000 |
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 | 306,000 | 613,000 | 925,000 | 1,239,000 |
| Interest expense | 78,000 | 158,000 | 245,000 | 342,000 |
| Net interest income | 228,000 | 455,000 | 680,000 | 897,000 |
| Noninterest income | 30,000 | 58,000 | 81,000 | 108,000 |
| Noninterest expense | 162,000 | 320,000 | 489,000 | 657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 196,000 | 274,000 | 350,000 |
| Income tax | 27,000 | 53,000 | 72,000 | 90,000 |
| Net income | 72,000 | 143,000 | 202,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,273,000 | 3,353,000 | 3,422,000 | 3,411,000 |
| Total capital | 3,468,000 | 3,541,000 | 3,617,000 | 3,606,000 |
| Risk-weighted assets | 16,426,000 | 15,009,000 | 17,130,000 | 16,136,000 |