Call reports 2004
PIONEER BANK AND TRUST COMPANY — 2004
What PIONEER BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 362,233,000 | 388,735,000 | 401,968,000 | 448,035,000 |
| Total loans | 237,506,000 | 247,814,000 | 256,633,000 | 266,199,000 |
| Allowance for loan losses | 1,668,000 | 1,759,000 | 1,857,000 | 1,933,000 |
| Securities available for sale | 68,468,000 | 84,433,000 | 98,649,000 | 107,902,000 |
| Securities held to maturity | 56,000 | 56,000 | 56,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,331,000 | 306,232,000 | 319,740,000 | 352,910,000 |
| Interest-bearing deposits | 244,648,000 | 268,584,000 | 277,546,000 | 309,336,000 |
| Noninterest-bearing deposits | 36,683,000 | 37,648,000 | 42,194,000 | 43,574,000 |
| Equity capital | 27,312,000 | 27,244,000 | 29,130,000 | 32,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,941,000 | 8,164,000 | 12,705,000 | 17,515,000 |
| Interest expense | 1,364,000 | 2,846,000 | 4,483,000 | 6,273,000 |
| Net interest income | 2,577,000 | 5,318,000 | 8,222,000 | 11,242,000 |
| Noninterest income | 385,000 | 1,732,000 | 2,179,000 | 2,648,000 |
| Noninterest expense | 2,169,000 | 4,542,000 | 7,061,000 | 9,613,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 884,000 | 2,509,000 | 3,258,000 | 4,105,000 |
| Income tax | 273,000 | 666,000 | 905,000 | 1,105,000 |
| Net income | 611,000 | 1,843,000 | 2,353,000 | 3,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,802,000 | 28,726,000 | 29,056,000 | 32,423,000 |
| Total capital | 28,470,000 | 30,485,000 | 30,913,000 | 34,356,000 |
| Risk-weighted assets | 265,064,000 | 281,259,000 | 296,619,000 | 319,110,000 |
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