Call reports 2004
PIONEER BANK — 2004
What PIONEER 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 | 122,084,000 | 120,514,000 | 123,257,000 | 130,108,000 |
| Total loans | 84,685,000 | 88,297,000 | 94,134,000 | 93,629,000 |
| Allowance for loan losses | 1,356,000 | 1,399,000 | 1,464,000 | 1,346,000 |
| Securities available for sale | 15,451,000 | 14,019,000 | 11,487,000 | 10,306,000 |
| Securities held to maturity | 23,000 | 24,000 | 35,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,535,000 | 98,212,000 | 97,335,000 | 100,943,000 |
| Interest-bearing deposits | 76,625,000 | 75,058,000 | 73,021,000 | 74,604,000 |
| Noninterest-bearing deposits | 22,910,000 | 23,154,000 | 24,314,000 | 26,340,000 |
| Equity capital | 10,647,000 | 10,694,000 | 11,013,000 | 10,384,000 |
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 | 1,924,000 | 3,815,000 | 5,804,000 | 7,762,000 |
| Interest expense | 466,000 | 912,000 | 1,339,000 | 1,778,000 |
| Net interest income | 1,458,000 | 2,903,000 | 4,465,000 | 5,984,000 |
| Noninterest income | 241,000 | 447,000 | 651,000 | 878,000 |
| Noninterest expense | 1,155,000 | 2,304,000 | 3,440,000 | 4,739,000 |
| Provision for loan losses | -9,000 | 46,000 | 62,000 | 72,000 |
| Pretax income | 684,000 | 1,131,000 | 1,745,000 | 2,182,000 |
| Income tax | 228,000 | 379,000 | 587,000 | 736,000 |
| Net income | 456,000 | 752,000 | 1,158,000 | 1,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 10,406,000 | 10,647,000 | 10,064,000 |
| Total capital | 11,197,000 | 11,383,000 | 11,676,000 | 11,099,000 |
| Risk-weighted assets | 75,856,000 | 77,728,000 | 81,907,000 | 82,488,000 |