Call reports 2007
PIONEER STATE BANK — 2007
What PIONEER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,483,000 | 28,441,000 | 31,213,000 | 31,159,000 |
| Total loans | 20,461,000 | 19,315,000 | 20,610,000 | 22,202,000 |
| Allowance for loan losses | 211,000 | 211,000 | 206,000 | 209,000 |
| Securities available for sale | 7,928,000 | 6,526,000 | 6,611,000 | 6,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,725,000 | 20,105,000 | 20,841,000 | 21,748,000 |
| Interest-bearing deposits | 18,643,000 | 14,201,000 | 18,369,000 | 19,449,000 |
| Noninterest-bearing deposits | 2,082,000 | 5,904,000 | 2,472,000 | 2,299,000 |
| Equity capital | 4,005,000 | 4,032,000 | 4,177,000 | 4,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,040,000 | 1,565,000 | 2,088,000 |
| Interest expense | 248,000 | 487,000 | 699,000 | 933,000 |
| Net interest income | 274,000 | 553,000 | 866,000 | 1,155,000 |
| Noninterest income | 20,000 | 41,000 | 60,000 | 90,000 |
| Noninterest expense | 183,000 | 357,000 | 534,000 | 704,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 12,000 |
| Pretax income | 102,000 | 228,000 | 377,000 | 523,000 |
| Income tax | 27,000 | 62,000 | 94,000 | 154,000 |
| Net income | 75,000 | 160,000 | 283,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,959,000 | 3,986,000 | 4,109,000 | 4,132,000 |
| Total capital | 4,170,000 | 4,197,000 | 4,315,000 | 4,341,000 |
| Risk-weighted assets | 21,892,000 | 21,031,000 | 22,652,000 | 24,053,000 |