Call reports 2005
PIONEER BANK AND TRUST COMPANY — 2005
What PIONEER BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 459,305,000 | 504,677,000 | 505,002,000 | 528,932,000 |
| Total loans | 276,538,000 | 296,605,000 | 326,052,000 | 347,623,000 |
| Allowance for loan losses | 2,034,000 | 2,125,000 | 2,189,000 | 2,305,000 |
| Securities available for sale | 136,312,000 | 135,716,000 | 139,842,000 | 128,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,375,000 | 397,265,000 | 401,593,000 | 419,969,000 |
| Interest-bearing deposits | 316,426,000 | 349,596,000 | 355,481,000 | 372,832,000 |
| Noninterest-bearing deposits | 41,949,000 | 47,669,000 | 46,112,000 | 47,137,000 |
| Equity capital | 32,018,000 | 37,451,000 | 37,999,000 | 37,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,347,000 | 11,094,000 | 17,485,000 | 24,015,000 |
| Interest expense | 1,961,000 | 4,298,000 | 7,173,000 | 10,247,000 |
| Net interest income | 3,386,000 | 6,796,000 | 10,312,000 | 13,768,000 |
| Noninterest income | 460,000 | 946,000 | 1,463,000 | 1,929,000 |
| Noninterest expense | 2,548,000 | 5,146,000 | 7,823,000 | 10,222,000 |
| Provision for loan losses | 90,000 | 180,000 | 245,000 | 360,000 |
| Pretax income | 1,210,000 | 2,418,000 | 3,723,000 | 5,131,000 |
| Income tax | 339,000 | 610,000 | 940,000 | 1,367,000 |
| Net income | 871,000 | 1,808,000 | 2,783,000 | 3,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,603,000 | 37,962,000 | 38,562,000 | 39,260,000 |
| Total capital | 35,637,000 | 40,087,000 | 40,751,000 | 41,565,000 |
| Risk-weighted assets | 315,710,000 | 340,415,000 | 369,654,000 | 402,173,000 |
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