Call reports 2006
PIONEER BANK — 2006
What PIONEER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,051,000 | 102,956,000 | 101,296,000 | 99,614,000 |
| Total loans | 66,971,000 | 70,696,000 | 69,749,000 | 68,109,000 |
| Allowance for loan losses | 665,000 | 702,000 | 743,000 | 791,000 |
| Securities available for sale | 22,336,000 | 22,442,000 | 22,743,000 | 22,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,829,000 | 74,056,000 | 72,940,000 | 73,690,000 |
| Interest-bearing deposits | 56,403,000 | 55,247,000 | 54,111,000 | 55,399,000 |
| Noninterest-bearing deposits | 20,426,000 | 18,809,000 | 18,829,000 | 18,291,000 |
| Equity capital | 8,872,000 | 10,151,000 | 10,541,000 | 10,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 3,027,000 | 4,679,000 | 6,339,000 |
| Interest expense | 565,000 | 1,186,000 | 1,933,000 | 2,674,000 |
| Net interest income | 907,000 | 1,841,000 | 2,746,000 | 3,665,000 |
| Noninterest income | 265,000 | 1,956,000 | 2,206,000 | 2,451,000 |
| Noninterest expense | 870,000 | 1,750,000 | 2,613,000 | 3,477,000 |
| Provision for loan losses | 120,000 | 155,000 | 210,000 | 300,000 |
| Pretax income | 182,000 | 1,892,000 | 2,129,000 | 2,339,000 |
| Income tax | 16,000 | 35,000 | 43,000 | 55,000 |
| Net income | 166,000 | 1,857,000 | 2,086,000 | 2,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,941,000 | 10,502,000 | 10,562,000 | 10,685,000 |
| Total capital | 9,606,000 | 11,204,000 | 11,305,000 | 11,476,000 |
| Risk-weighted assets | 73,514,000 | 76,983,000 | 77,499,000 | 76,153,000 |