Call reports 2008
PIONEER COMMUNITY BANK, INC. — 2008
What PIONEER COMMUNITY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,634,000 | 66,431,000 | 111,510,000 | 114,857,000 |
| Total loans | 55,617,000 | 57,217,000 | 60,231,000 | 69,282,000 |
| Allowance for loan losses | 526,000 | 521,000 | 521,000 | 668,000 |
| Securities available for sale | 2,089,000 | 1,744,000 | 21,710,000 | 32,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,202,000 | 54,785,000 | 101,995,000 | 101,879,000 |
| Interest-bearing deposits | 43,243,000 | 41,470,000 | 75,214,000 | 75,363,000 |
| Noninterest-bearing deposits | 11,959,000 | 13,315,000 | 26,781,000 | 26,516,000 |
| Equity capital | 8,492,000 | 8,652,000 | 8,930,000 | 9,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,190,000 | 3,354,000 | 4,948,000 |
| Interest expense | 366,000 | 667,000 | 975,000 | 1,366,000 |
| Net interest income | 726,000 | 1,523,000 | 2,379,000 | 3,582,000 |
| Noninterest income | 232,000 | 422,000 | 666,000 | 1,677,000 |
| Noninterest expense | 657,000 | 1,324,000 | 1,965,000 | 3,426,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 202,000 |
| Pretax income | 289,000 | 594,000 | 1,040,000 | 1,636,000 |
| Income tax | 107,000 | 201,000 | 337,000 | 517,000 |
| Net income | 182,000 | 393,000 | 703,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,383,000 | 8,590,000 | 7,868,000 | 8,220,000 |
| Total capital | 8,909,000 | 9,111,000 | 8,389,000 | 8,888,000 |
| Risk-weighted assets | 44,434,000 | 46,052,000 | 73,100,000 | 62,915,000 |