Call reports 2003
PIONEER BANK — 2003
What PIONEER BANK 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 | 69,718,000 | 69,299,000 | 66,650,000 | 65,573,000 |
| Total loans | 51,018,000 | 51,688,000 | 51,874,000 | 52,429,000 |
| Allowance for loan losses | 701,000 | 745,000 | 843,000 | 839,000 |
| Securities available for sale | 7,993,000 | 7,101,000 | 7,680,000 | 6,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,481,000 | 57,171,000 | 54,960,000 | 54,331,000 |
| Interest-bearing deposits | 50,468,000 | 49,904,000 | 47,569,000 | 47,147,000 |
| Noninterest-bearing deposits | 7,013,000 | 7,267,000 | 7,391,000 | 7,184,000 |
| Equity capital | 7,001,000 | 7,023,000 | 7,006,000 | 7,019,000 |
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 | 1,082,000 | 2,196,000 | 3,236,000 | 4,286,000 |
| Interest expense | 451,000 | 887,000 | 1,301,000 | 1,693,000 |
| Net interest income | 631,000 | 1,309,000 | 1,935,000 | 2,593,000 |
| Noninterest income | 516,000 | 996,000 | 1,465,000 | 1,960,000 |
| Noninterest expense | 789,000 | 1,574,000 | 2,334,000 | 3,076,000 |
| Provision for loan losses | 65,000 | 125,000 | 225,000 | 350,000 |
| Pretax income | 293,000 | 606,000 | 841,000 | 1,127,000 |
| Income tax | 0 | 0 | -29,000 | -29,000 |
| Net income | 293,000 | 606,000 | 870,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,013,000 | 6,075,000 | 6,087,000 | 6,121,000 |
| Total capital | 6,642,000 | 6,709,000 | 6,721,000 | 6,751,000 |
| Risk-weighted assets | 50,237,000 | 50,586,000 | 50,487,000 | 50,210,000 |