Call reports 2002
PIONEER BANK — 2002
What PIONEER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,828,000 | 84,624,000 | 87,788,000 | 87,923,000 |
| Total loans | 49,497,000 | 49,340,000 | 49,587,000 | 51,663,000 |
| Allowance for loan losses | 508,000 | 520,000 | 519,000 | 472,000 |
| Securities available for sale | 28,149,000 | 29,329,000 | 29,524,000 | 29,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,180,000 | 70,080,000 | 71,323,000 | 69,829,000 |
| Interest-bearing deposits | 58,415,000 | 60,325,000 | 59,861,000 | 57,571,000 |
| Noninterest-bearing deposits | 10,765,000 | 9,755,000 | 11,462,000 | 12,258,000 |
| Equity capital | 6,242,000 | 6,893,000 | 7,554,000 | 7,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,619,000 | 3,959,000 | 5,278,000 |
| Interest expense | 656,000 | 1,273,000 | 1,874,000 | 2,456,000 |
| Net interest income | 664,000 | 1,346,000 | 2,085,000 | 2,822,000 |
| Noninterest income | 315,000 | 569,000 | 845,000 | 1,161,000 |
| Noninterest expense | 550,000 | 1,125,000 | 1,749,000 | 2,380,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 420,000 | 766,000 | 1,142,000 | 1,545,000 |
| Income tax | 20,000 | 41,000 | 62,000 | 40,000 |
| Net income | 400,000 | 725,000 | 1,080,000 | 1,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,278,000 | 6,387,000 | 6,635,000 | 7,059,000 |
| Total capital | 6,786,000 | 6,907,000 | 7,154,000 | 7,531,000 |
| Risk-weighted assets | 61,093,000 | 60,774,000 | 61,884,000 | 63,298,000 |