Call reports 2009
PIONEER BANK — 2009
What PIONEER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,798,000 | 114,902,000 | 114,804,000 | 117,436,000 |
| Total loans | 78,479,000 | 76,816,000 | 74,666,000 | 76,061,000 |
| Allowance for loan losses | 688,000 | 707,000 | 652,000 | 653,000 |
| Securities available for sale | 22,784,000 | 26,105,000 | 27,931,000 | 28,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,115,000 | 91,607,000 | 91,838,000 | 96,157,000 |
| Interest-bearing deposits | 68,795,000 | 74,191,000 | 73,258,000 | 78,635,000 |
| Noninterest-bearing deposits | 18,320,000 | 17,416,000 | 18,580,000 | 17,522,000 |
| Equity capital | 10,646,000 | 10,466,000 | 11,398,000 | 11,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 3,101,000 | 4,636,000 | 6,169,000 |
| Interest expense | 556,000 | 1,105,000 | 1,636,000 | 2,149,000 |
| Net interest income | 1,010,000 | 1,996,000 | 3,000,000 | 4,020,000 |
| Noninterest income | 339,000 | 631,000 | 901,000 | 1,096,000 |
| Noninterest expense | 944,000 | 1,925,000 | 2,844,000 | 3,781,000 |
| Provision for loan losses | 102,000 | 127,000 | 127,000 | 162,000 |
| Pretax income | 308,000 | 580,000 | 935,000 | 1,178,000 |
| Income tax | 16,000 | 27,000 | 45,000 | 66,000 |
| Net income | 292,000 | 553,000 | 890,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,732,000 | 10,693,000 | 10,905,000 | 11,087,000 |
| Total capital | 11,420,000 | 11,400,000 | 11,557,000 | 11,740,000 |
| Risk-weighted assets | 88,436,000 | 89,649,000 | 88,323,000 | 90,636,000 |