Call reports 2008
PIONEER BANK — 2008
What PIONEER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,920,000 | 162,120,000 | 156,719,000 | 152,954,000 |
| Total loans | 125,207,000 | 122,202,000 | 118,880,000 | 120,876,000 |
| Allowance for loan losses | 1,636,000 | 1,667,000 | 1,536,000 | 1,651,000 |
| Securities available for sale | 15,831,000 | 16,517,000 | 16,836,000 | 13,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,440,000 | 131,581,000 | 126,686,000 | 129,151,000 |
| Interest-bearing deposits | 99,493,000 | 102,109,000 | 97,239,000 | 103,578,000 |
| Noninterest-bearing deposits | 30,947,000 | 29,472,000 | 29,447,000 | 25,573,000 |
| Equity capital | 12,569,000 | 12,536,000 | 13,031,000 | 13,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,271,000 | 7,864,000 | 10,346,000 |
| Interest expense | 995,000 | 1,990,000 | 2,894,000 | 3,756,000 |
| Net interest income | 1,647,000 | 3,281,000 | 4,970,000 | 6,590,000 |
| Noninterest income | 270,000 | 523,000 | 772,000 | 1,057,000 |
| Noninterest expense | 1,223,000 | 2,544,000 | 3,826,000 | 4,760,000 |
| Provision for loan losses | 105,000 | 196,000 | 292,000 | 548,000 |
| Pretax income | 716,000 | 1,205,000 | 1,765,000 | 2,480,000 |
| Income tax | 242,000 | 407,000 | 594,000 | 838,000 |
| Net income | 474,000 | 798,000 | 1,171,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,099,000 | 12,223,000 | 12,539,000 | 12,880,000 |
| Total capital | 13,560,000 | 13,671,000 | 13,950,000 | 14,296,000 |
| Risk-weighted assets | 116,731,000 | 115,662,000 | 112,773,000 | 113,038,000 |