Call reports 2002
PIONEER BANK — 2002
What PIONEER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 121,409,000 | 125,577,000 | 126,855,000 | 122,355,000 |
| Total loans | 93,545,000 | 92,590,000 | 89,928,000 | 87,547,000 |
| Allowance for loan losses | 1,188,000 | 1,248,000 | 1,212,000 | 1,447,000 |
| Securities available for sale | 8,546,000 | 6,287,000 | 8,134,000 | 18,142,000 |
| Securities held to maturity | 292,000 | 276,000 | 96,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,241,000 | 109,411,000 | 110,795,000 | 106,564,000 |
| Interest-bearing deposits | 84,438,000 | 88,278,000 | 89,927,000 | 86,158,000 |
| Noninterest-bearing deposits | 20,803,000 | 21,133,000 | 20,868,000 | 20,406,000 |
| Equity capital | 9,311,000 | 9,601,000 | 9,677,000 | 10,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,471,000 | 4,938,000 | 7,339,000 | 9,647,000 |
| Interest expense | 846,000 | 1,705,000 | 2,530,000 | 3,243,000 |
| Net interest income | 1,625,000 | 3,233,000 | 4,809,000 | 6,404,000 |
| Noninterest income | 243,000 | 564,000 | 867,000 | 1,254,000 |
| Noninterest expense | 1,183,000 | 2,404,000 | 3,520,000 | 4,528,000 |
| Provision for loan losses | 210,000 | 498,000 | 991,000 | 1,472,000 |
| Pretax income | 475,000 | 895,000 | 1,165,000 | 1,658,000 |
| Income tax | 155,000 | 296,000 | 382,000 | 531,000 |
| Net income | 320,000 | 599,000 | 783,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,911,000 | 9,146,000 | 9,133,000 | 9,462,000 |
| Total capital | 9,935,000 | 10,174,000 | 10,141,000 | 10,405,000 |
| Risk-weighted assets | 81,748,000 | 82,046,000 | 80,430,000 | 74,913,000 |