Call reports 2009
PIONEER STATE BANK — 2009
What PIONEER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 40,611,000 | 46,367,000 | 48,834,000 | 39,914,000 |
| Total loans | 32,625,000 | 38,442,000 | 33,558,000 | 29,619,000 |
| Allowance for loan losses | 230,000 | 258,000 | 903,000 | 778,000 |
| Securities available for sale | 5,717,000 | 5,628,000 | 5,824,000 | 5,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,240,000 | 34,636,000 | 39,070,000 | 31,299,000 |
| Interest-bearing deposits | 28,985,000 | 32,372,000 | 36,744,000 | 28,522,000 |
| Noninterest-bearing deposits | 2,255,000 | 2,264,000 | 2,326,000 | 2,777,000 |
| Equity capital | 4,895,000 | 5,108,000 | 5,034,000 | 5,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,324,000 | 2,062,000 | 2,043,000 |
| Interest expense | 240,000 | 451,000 | 648,000 | 805,000 |
| Net interest income | 419,000 | 873,000 | 1,414,000 | 1,238,000 |
| Noninterest income | 47,000 | 202,000 | 2,055,000 | 3,275,000 |
| Noninterest expense | 270,000 | 538,000 | 2,196,000 | 3,191,000 |
| Provision for loan losses | 15,000 | 45,000 | 690,000 | 765,000 |
| Pretax income | 181,000 | 492,000 | 583,000 | 557,000 |
| Income tax | 57,000 | 160,000 | 149,000 | 49,000 |
| Net income | 124,000 | 332,000 | 224,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,805,000 | 5,014,000 | 5,090,000 | 5,164,000 |
| Total capital | 5,035,000 | 5,272,000 | 5,472,000 | 5,496,000 |
| Risk-weighted assets | 30,021,000 | 32,398,000 | 30,066,000 | 26,076,000 |