Call reports 2003
PIONEER BANK — 2003
What PIONEER 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 | 115,891,000 | 113,829,000 | 115,892,000 | 118,194,000 |
| Total loans | 84,464,000 | 82,952,000 | 80,839,000 | 82,214,000 |
| Allowance for loan losses | 1,581,000 | 1,504,000 | 1,482,000 | 1,433,000 |
| Securities available for sale | 15,681,000 | 13,303,000 | 16,906,000 | 16,659,000 |
| Securities held to maturity | 69,000 | 64,000 | 48,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,992,000 | 97,789,000 | 100,340,000 | 99,620,000 |
| Interest-bearing deposits | 80,191,000 | 78,448,000 | 79,406,000 | 78,470,000 |
| Noninterest-bearing deposits | 19,801,000 | 19,341,000 | 20,934,000 | 21,150,000 |
| Equity capital | 10,237,000 | 10,535,000 | 10,484,000 | 10,619,000 |
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 | 2,168,000 | 4,246,000 | 6,221,000 | 8,124,000 |
| Interest expense | 582,000 | 1,086,000 | 1,580,000 | 2,030,000 |
| Net interest income | 1,586,000 | 3,160,000 | 4,641,000 | 6,094,000 |
| Noninterest income | 298,000 | 589,000 | 866,000 | 1,103,000 |
| Noninterest expense | 1,086,000 | 2,197,000 | 3,367,000 | 4,652,000 |
| Provision for loan losses | 317,000 | 485,000 | 829,000 | 948,000 |
| Pretax income | 481,000 | 1,171,000 | 1,487,000 | 1,773,000 |
| Income tax | 157,000 | 385,000 | 487,000 | 583,000 |
| Net income | 324,000 | 786,000 | 1,000,000 | 1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,656,000 | 9,972,000 | 10,064,000 | 10,183,000 |
| Total capital | 10,572,000 | 10,886,000 | 10,972,000 | 11,098,000 |
| Risk-weighted assets | 72,591,000 | 72,552,000 | 72,073,000 | 72,674,000 |