Call reports 2007
PIONEER BANK — 2007
What PIONEER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 101,078,000 | 98,646,000 | 99,345,000 | 105,947,000 |
| Total loans | 67,335,000 | 67,801,000 | 67,774,000 | 70,657,000 |
| Allowance for loan losses | 974,000 | 529,000 | 485,000 | 460,000 |
| Securities available for sale | 22,432,000 | 22,095,000 | 22,611,000 | 22,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,551,000 | 76,080,000 | 76,518,000 | 81,356,000 |
| Interest-bearing deposits | 57,060,000 | 57,450,000 | 56,665,000 | 62,389,000 |
| Noninterest-bearing deposits | 18,491,000 | 18,630,000 | 19,853,000 | 18,967,000 |
| Equity capital | 10,137,000 | 10,065,000 | 10,231,000 | 10,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,156,000 | 4,755,000 | 6,399,000 |
| Interest expense | 733,000 | 1,486,000 | 2,225,000 | 2,988,000 |
| Net interest income | 823,000 | 1,670,000 | 2,530,000 | 3,411,000 |
| Noninterest income | 261,000 | 500,000 | 738,000 | 983,000 |
| Noninterest expense | 895,000 | 1,753,000 | 2,632,000 | 3,576,000 |
| Provision for loan losses | 182,000 | 212,000 | 227,000 | 287,000 |
| Pretax income | 7,000 | 205,000 | 409,000 | 531,000 |
| Income tax | 6,000 | -5,000 | 3,000 | 28,000 |
| Net income | 1,000 | 210,000 | 406,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,186,000 | 10,320,000 | 10,325,000 | 10,348,000 |
| Total capital | 11,134,000 | 10,849,000 | 10,810,000 | 10,808,000 |
| Risk-weighted assets | 75,814,000 | 75,820,000 | 76,671,000 | 80,304,000 |