Call reports 2005
PIONEER BANK — 2005
What PIONEER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,743,000 | 99,012,000 | 101,730,000 | 101,260,000 |
| Total loans | 66,552,000 | 64,551,000 | 67,574,000 | 68,832,000 |
| Allowance for loan losses | 651,000 | 677,000 | 709,000 | 545,000 |
| Securities available for sale | 26,572,000 | 25,945,000 | 25,187,000 | 22,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,126,000 | 75,571,000 | 74,213,000 | 76,965,000 |
| Interest-bearing deposits | 57,592,000 | 58,694,000 | 54,931,000 | 56,806,000 |
| Noninterest-bearing deposits | 16,534,000 | 16,877,000 | 19,282,000 | 20,159,000 |
| Equity capital | 9,896,000 | 10,098,000 | 10,070,000 | 8,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,767,000 | 4,223,000 | 5,712,000 |
| Interest expense | 370,000 | 797,000 | 1,247,000 | 1,813,000 |
| Net interest income | 994,000 | 1,970,000 | 2,976,000 | 3,899,000 |
| Noninterest income | 286,000 | 532,000 | 810,000 | 1,083,000 |
| Noninterest expense | 787,000 | 1,644,000 | 2,539,000 | 4,687,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 145,000 |
| Pretax income | 478,000 | 811,000 | 1,173,000 | 136,000 |
| Income tax | 20,000 | 43,000 | 63,000 | 64,000 |
| Net income | 458,000 | 768,000 | 1,110,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,802,000 | 9,812,000 | 10,004,000 | 8,906,000 |
| Total capital | 10,453,000 | 10,489,000 | 10,713,000 | 9,451,000 |
| Risk-weighted assets | 73,055,000 | 72,859,000 | 76,207,000 | 75,755,000 |