Call reports 2004
PIONEER COMMUNITY BANK, INC. — 2004
What PIONEER COMMUNITY BANK, INC. 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 | 54,927,000 | 56,059,000 | 58,201,000 | 57,437,000 |
| Total loans | 45,526,000 | 46,218,000 | 48,653,000 | 48,774,000 |
| Allowance for loan losses | 465,000 | 480,000 | 487,000 | 497,000 |
| Securities available for sale | 4,918,000 | 4,650,000 | 4,149,000 | 3,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,750,000 | 43,309,000 | 44,622,000 | 45,165,000 |
| Interest-bearing deposits | 32,933,000 | 32,881,000 | 34,444,000 | 35,403,000 |
| Noninterest-bearing deposits | 10,817,000 | 10,428,000 | 10,178,000 | 9,762,000 |
| Equity capital | 7,392,000 | 7,481,000 | 7,633,000 | 7,472,000 |
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 | 873,000 | 1,750,000 | 2,654,000 | 3,581,000 |
| Interest expense | 153,000 | 297,000 | 463,000 | 643,000 |
| Net interest income | 720,000 | 1,453,000 | 2,191,000 | 2,938,000 |
| Noninterest income | 158,000 | 327,000 | 507,000 | 688,000 |
| Noninterest expense | 570,000 | 1,131,000 | 1,725,000 | 2,376,000 |
| Provision for loan losses | 15,000 | 30,000 | 173,000 | 188,000 |
| Pretax income | 293,000 | 619,000 | 800,000 | 1,055,000 |
| Income tax | 112,000 | 245,000 | 258,000 | 334,000 |
| Net income | 181,000 | 374,000 | 542,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,732,000 | 6,872,000 | 7,018,000 | 6,887,000 |
| Total capital | 7,197,000 | 7,351,000 | 7,505,000 | 7,375,000 |
| Risk-weighted assets | 38,048,000 | 38,339,000 | 39,643,000 | 39,272,000 |