Call reports 2006
PIONEER COMMUNITY BANK, INC. — 2006
What PIONEER COMMUNITY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,579,000 | 60,022,000 | 61,721,000 | 63,436,000 |
| Total loans | 50,644,000 | 52,123,000 | 52,008,000 | 51,098,000 |
| Allowance for loan losses | 532,000 | 544,000 | 541,000 | 531,000 |
| Securities available for sale | 3,113,000 | 3,050,000 | 3,018,000 | 2,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,109,000 | 48,364,000 | 52,707,000 | 54,879,000 |
| Interest-bearing deposits | 37,547,000 | 36,472,000 | 40,732,000 | 42,803,000 |
| Noninterest-bearing deposits | 11,562,000 | 11,892,000 | 11,975,000 | 12,076,000 |
| Equity capital | 7,685,000 | 7,785,000 | 7,946,000 | 7,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,928,000 | 2,952,000 | 4,016,000 |
| Interest expense | 266,000 | 537,000 | 865,000 | 1,225,000 |
| Net interest income | 687,000 | 1,391,000 | 2,087,000 | 2,791,000 |
| Noninterest income | 180,000 | 424,000 | 628,000 | 871,000 |
| Noninterest expense | 582,000 | 1,141,000 | 1,758,000 | 2,527,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 273,000 | 650,000 | 933,000 | 1,109,000 |
| Income tax | 101,000 | 238,000 | 346,000 | 376,000 |
| Net income | 172,000 | 412,000 | 587,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,376,000 | 7,512,000 | 7,683,000 | 7,730,000 |
| Total capital | 7,874,000 | 8,022,000 | 8,203,000 | 8,246,000 |
| Risk-weighted assets | 39,779,000 | 40,757,000 | 41,632,000 | 41,303,000 |