Call reports 2015
PIONEER BANK — 2015
What PIONEER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,223,000 | 149,972,000 | 151,251,000 | 152,258,000 |
| Total loans | 108,715,000 | 107,509,000 | 108,039,000 | 109,312,000 |
| Allowance for loan losses | 1,410,000 | 1,457,000 | 1,551,000 | 1,527,000 |
| Securities available for sale | 28,325,000 | 29,994,000 | 31,059,000 | 30,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,296,000 | 122,422,000 | 119,356,000 | 120,574,000 |
| Interest-bearing deposits | 90,392,000 | 86,788,000 | 83,384,000 | 85,869,000 |
| Noninterest-bearing deposits | 34,904,000 | 35,634,000 | 35,972,000 | 34,704,000 |
| Equity capital | 14,278,000 | 13,846,000 | 14,276,000 | 14,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,069,000 | 4,573,000 | 6,103,000 |
| Interest expense | 219,000 | 442,000 | 660,000 | 884,000 |
| Net interest income | 1,327,000 | 2,627,000 | 3,913,000 | 5,219,000 |
| Noninterest income | 257,000 | 495,000 | 692,000 | 935,000 |
| Noninterest expense | 926,000 | 1,901,000 | 2,793,000 | 3,763,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 613,000 | 1,131,000 | 1,677,000 | 2,211,000 |
| Income tax | 30,000 | 57,000 | 84,000 | 110,000 |
| Net income | 583,000 | 1,074,000 | 1,593,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,459,000 | 13,425,000 | 13,714,000 | 14,222,000 |
| Total capital | 14,869,000 | 14,882,000 | 15,265,000 | 15,749,000 |
| Risk-weighted assets | 137,433,000 | 134,293,000 | 134,793,000 | 123,567,000 |