Call reports 2005
PIONEER COMMUNITY BANK, INC. — 2005
What PIONEER COMMUNITY BANK, INC. 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 | 56,926,000 | 58,562,000 | 59,747,000 | 59,305,000 |
| Total loans | 48,414,000 | 49,628,000 | 51,554,000 | 51,020,000 |
| Allowance for loan losses | 505,000 | 528,000 | 540,000 | 512,000 |
| Securities available for sale | 3,771,000 | 3,655,000 | 3,386,000 | 3,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,945,000 | 45,510,000 | 44,773,000 | 45,484,000 |
| Interest-bearing deposits | 34,267,000 | 34,491,000 | 34,778,000 | 34,527,000 |
| Noninterest-bearing deposits | 9,678,000 | 11,019,000 | 9,995,000 | 10,957,000 |
| Equity capital | 7,590,000 | 7,694,000 | 7,842,000 | 7,763,000 |
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 | 876,000 | 1,775,000 | 2,741,000 | 3,729,000 |
| Interest expense | 185,000 | 388,000 | 606,000 | 864,000 |
| Net interest income | 691,000 | 1,387,000 | 2,135,000 | 2,865,000 |
| Noninterest income | 137,000 | 304,000 | 475,000 | 660,000 |
| Noninterest expense | 550,000 | 1,113,000 | 1,710,000 | 2,503,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 78,000 |
| Pretax income | 258,000 | 539,000 | 841,000 | 944,000 |
| Income tax | 88,000 | 185,000 | 304,000 | 325,000 |
| Net income | 170,000 | 354,000 | 537,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,038,000 | 7,168,000 | 7,345,000 | 7,428,000 |
| Total capital | 7,519,000 | 7,663,000 | 7,851,000 | 7,934,000 |
| Risk-weighted assets | 38,739,000 | 39,568,000 | 40,435,000 | 40,487,000 |