Call reports 2004
PIONEER BANK — 2004
What PIONEER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,876,000 | 95,805,000 | 98,277,000 | 97,834,000 |
| Total loans | 59,868,000 | 61,265,000 | 63,309,000 | 64,277,000 |
| Allowance for loan losses | 508,000 | 609,000 | 637,000 | 636,000 |
| Securities available for sale | 27,788,000 | 27,189,000 | 27,811,000 | 27,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,950,000 | 76,207,000 | 73,431,000 | 74,292,000 |
| Interest-bearing deposits | 56,739,000 | 59,213,000 | 56,044,000 | 57,490,000 |
| Noninterest-bearing deposits | 16,211,000 | 16,994,000 | 17,387,000 | 16,802,000 |
| Equity capital | 8,098,000 | 9,235,000 | 9,613,000 | 9,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,515,000 | 3,854,000 | 5,229,000 |
| Interest expense | 400,000 | 777,000 | 1,139,000 | 1,504,000 |
| Net interest income | 828,000 | 1,738,000 | 2,715,000 | 3,725,000 |
| Noninterest income | 258,000 | 524,000 | 774,000 | 1,074,000 |
| Noninterest expense | 697,000 | 1,468,000 | 2,283,000 | 3,045,000 |
| Provision for loan losses | 33,000 | 63,000 | 93,000 | 123,000 |
| Pretax income | 368,000 | 743,000 | 1,125,000 | 1,628,000 |
| Income tax | 20,000 | 41,000 | 61,000 | 65,000 |
| Net income | 348,000 | 702,000 | 1,064,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,237,000 | 9,107,000 | 9,045,000 | 9,544,000 |
| Total capital | 7,745,000 | 9,716,000 | 9,682,000 | 10,180,000 |
| Risk-weighted assets | 70,178,000 | 63,603,000 | 72,581,000 | 72,230,000 |