Call reports 2005
PIONEER BANK — 2005
What PIONEER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,003,000 | 134,015,000 | 139,218,000 | 139,852,000 |
| Total loans | 95,188,000 | 100,520,000 | 105,714,000 | 110,024,000 |
| Allowance for loan losses | 1,381,000 | 1,307,000 | 1,291,000 | 1,332,000 |
| Securities available for sale | 16,192,000 | 17,590,000 | 15,475,000 | 9,150,000 |
| Securities held to maturity | 14,000 | 12,000 | 10,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,732,000 | 103,245,000 | 112,486,000 | 113,754,000 |
| Interest-bearing deposits | 75,347,000 | 76,430,000 | 82,719,000 | 84,010,000 |
| Noninterest-bearing deposits | 24,385,000 | 26,815,000 | 29,767,000 | 29,744,000 |
| Equity capital | 10,636,000 | 10,814,000 | 10,959,000 | 10,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 4,097,000 | 6,258,000 | 8,527,000 |
| Interest expense | 499,000 | 1,039,000 | 1,650,000 | 2,264,000 |
| Net interest income | 1,504,000 | 3,058,000 | 4,608,000 | 6,263,000 |
| Noninterest income | 223,000 | 439,000 | 661,000 | 870,000 |
| Noninterest expense | 1,221,000 | 2,437,000 | 3,682,000 | 4,656,000 |
| Provision for loan losses | 90,000 | 166,000 | 273,000 | 401,000 |
| Pretax income | 416,000 | 894,000 | 1,314,000 | 2,076,000 |
| Income tax | 141,000 | 302,000 | 444,000 | 704,000 |
| Net income | 275,000 | 592,000 | 870,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,340,000 | 10,521,000 | 10,669,000 | 10,606,000 |
| Total capital | 11,385,000 | 11,626,000 | 11,842,000 | 11,824,000 |
| Risk-weighted assets | 83,253,000 | 88,212,000 | 93,756,000 | 97,329,000 |