Call reports 2007
PIONEER BANK — 2007
What PIONEER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 148,115,000 | 158,033,000 | 154,113,000 | 147,931,000 |
| Total loans | 121,626,000 | 128,233,000 | 127,577,000 | 127,184,000 |
| Allowance for loan losses | 1,446,000 | 1,407,000 | 1,532,000 | 1,573,000 |
| Securities available for sale | 11,496,000 | 9,287,000 | 8,814,000 | 8,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,885,000 | 134,476,000 | 131,318,000 | 127,437,000 |
| Interest-bearing deposits | 94,157,000 | 101,451,000 | 98,620,000 | 93,933,000 |
| Noninterest-bearing deposits | 31,728,000 | 33,025,000 | 32,698,000 | 33,504,000 |
| Equity capital | 11,646,000 | 11,734,000 | 11,992,000 | 12,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,576,000 | 5,205,000 | 7,965,000 | 10,680,000 |
| Interest expense | 903,000 | 1,881,000 | 2,931,000 | 3,909,000 |
| Net interest income | 1,673,000 | 3,324,000 | 5,034,000 | 6,771,000 |
| Noninterest income | 253,000 | 493,000 | 726,000 | 957,000 |
| Noninterest expense | 1,272,000 | 2,541,000 | 3,844,000 | 5,036,000 |
| Provision for loan losses | 45,000 | 140,000 | 210,000 | 309,000 |
| Pretax income | 609,000 | 1,136,000 | 1,706,000 | 2,383,000 |
| Income tax | 206,000 | 384,000 | 577,000 | 809,000 |
| Net income | 403,000 | 752,000 | 1,129,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,279,000 | 11,418,000 | 11,599,000 | 11,813,000 |
| Total capital | 12,632,000 | 12,825,000 | 13,050,000 | 13,256,000 |
| Risk-weighted assets | 108,119,000 | 116,831,000 | 115,996,000 | 115,298,000 |