Call reports 2004
PIONEER BANK — 2004
What PIONEER BANK 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 | 69,278,000 | 66,489,000 | 68,190,000 | 67,105,000 |
| Total loans | 54,644,000 | 54,117,000 | 54,715,000 | 54,177,000 |
| Allowance for loan losses | 878,000 | 932,000 | 877,000 | 894,000 |
| Securities available for sale | 6,579,000 | 5,860,000 | 5,452,000 | 5,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,497,000 | 55,653,000 | 57,315,000 | 56,282,000 |
| Interest-bearing deposits | 48,873,000 | 48,004,000 | 48,565,000 | 48,142,000 |
| Noninterest-bearing deposits | 9,624,000 | 7,649,000 | 8,750,000 | 8,140,000 |
| Equity capital | 7,082,000 | 7,123,000 | 7,300,000 | 7,344,000 |
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 | 1,038,000 | 2,089,000 | 3,192,000 | 4,267,000 |
| Interest expense | 384,000 | 765,000 | 1,131,000 | 1,503,000 |
| Net interest income | 654,000 | 1,324,000 | 2,061,000 | 2,764,000 |
| Noninterest income | 471,000 | 1,030,000 | 1,544,000 | 2,051,000 |
| Noninterest expense | 779,000 | 1,553,000 | 2,331,000 | 3,118,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 301,000 | 711,000 | 1,139,000 | 1,517,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 301,000 | 711,000 | 1,139,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,169,000 | 6,326,000 | 6,448,000 | 6,520,000 |
| Total capital | 6,808,000 | 6,961,000 | 7,083,000 | 7,152,000 |
| Risk-weighted assets | 50,870,000 | 50,473,000 | 50,550,000 | 50,263,000 |