Call reports 2003
PIONEER BANK AND TRUST COMPANY — 2003
What PIONEER BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 263,345,000 | 273,576,000 | 293,806,000 | 329,365,000 |
| Total loans | 180,823,000 | 186,044,000 | 185,454,000 | 210,963,000 |
| Allowance for loan losses | 1,316,000 | 1,406,000 | 1,497,000 | 1,578,000 |
| Securities available for sale | 42,555,000 | 46,140,000 | 60,721,000 | 71,899,000 |
| Securities held to maturity | 57,000 | 57,000 | 57,000 | 57,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,116,000 | 205,986,000 | 230,376,000 | 256,738,000 |
| Interest-bearing deposits | 171,990,000 | 171,359,000 | 198,123,000 | 214,718,000 |
| Noninterest-bearing deposits | 31,126,000 | 34,627,000 | 32,253,000 | 42,020,000 |
| Equity capital | 20,340,000 | 23,936,000 | 23,641,000 | 24,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,224,000 | 6,535,000 | 9,978,000 | 13,559,000 |
| Interest expense | 1,217,000 | 2,358,000 | 3,535,000 | 4,781,000 |
| Net interest income | 2,007,000 | 4,177,000 | 6,443,000 | 8,778,000 |
| Noninterest income | 453,000 | 957,000 | 1,441,000 | 1,848,000 |
| Noninterest expense | 1,696,000 | 3,517,000 | 5,361,000 | 7,441,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 674,000 | 2,183,000 | 2,999,000 | 3,571,000 |
| Income tax | 235,000 | 739,000 | 986,000 | 1,071,000 |
| Net income | 439,000 | 1,444,000 | 2,013,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,343,000 | 23,107,000 | 23,676,000 | 24,463,000 |
| Total capital | 20,659,000 | 24,513,000 | 25,173,000 | 26,041,000 |
| Risk-weighted assets | 191,088,000 | 197,354,000 | 204,445,000 | 233,280,000 |
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