Call reports 2009
PIONEER BANK — 2009
What PIONEER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 153,449,000 | 158,375,000 | 156,692,000 | 156,524,000 |
| Total loans | 120,712,000 | 126,030,000 | 126,888,000 | 126,605,000 |
| Allowance for loan losses | 1,702,000 | 1,835,000 | 2,052,000 | 1,945,000 |
| Securities available for sale | 14,492,000 | 13,561,000 | 12,280,000 | 10,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,842,000 | 134,107,000 | 132,896,000 | 132,089,000 |
| Interest-bearing deposits | 105,445,000 | 109,510,000 | 106,607,000 | 104,698,000 |
| Noninterest-bearing deposits | 26,397,000 | 24,597,000 | 26,289,000 | 27,391,000 |
| Equity capital | 13,683,000 | 13,889,000 | 14,063,000 | 14,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,367,000 | 4,693,000 | 7,025,000 | 9,394,000 |
| Interest expense | 811,000 | 1,526,000 | 2,196,000 | 2,800,000 |
| Net interest income | 1,556,000 | 3,167,000 | 4,829,000 | 6,594,000 |
| Noninterest income | 276,000 | 576,000 | 858,000 | 1,144,000 |
| Noninterest expense | 1,186,000 | 2,394,000 | 3,762,000 | 4,786,000 |
| Provision for loan losses | 175,000 | 425,000 | 710,000 | 1,260,000 |
| Pretax income | 604,000 | 1,057,000 | 1,348,000 | 1,825,000 |
| Income tax | 201,000 | 344,000 | 428,000 | 588,000 |
| Net income | 403,000 | 713,000 | 920,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,162,000 | 13,425,000 | 13,477,000 | 13,794,000 |
| Total capital | 14,572,000 | 14,886,000 | 14,935,000 | 15,249,000 |
| Risk-weighted assets | 112,490,000 | 116,474,000 | 116,017,000 | 115,933,000 |