Call reports 2015
PIONEER BANK, SSB — 2015
What PIONEER BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 389,377,000 | 408,963,000 | 424,852,000 | 428,007,000 |
| Total loans | 285,238,000 | 294,434,000 | 311,426,000 | 333,368,000 |
| Allowance for loan losses | 2,193,000 | 2,310,000 | 2,410,000 | 2,573,000 |
| Securities available for sale | 25,046,000 | 25,822,000 | 25,003,000 | 23,395,000 |
| Securities held to maturity | 950,000 | 950,000 | 900,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,284,000 | 365,466,000 | 379,790,000 | 383,518,000 |
| Interest-bearing deposits | 290,824,000 | 303,390,000 | 314,784,000 | 319,257,000 |
| Noninterest-bearing deposits | 55,460,000 | 62,076,000 | 65,007,000 | 64,261,000 |
| Equity capital | 41,515,000 | 42,109,000 | 43,096,000 | 43,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,194,000 | 8,578,000 | 13,255,000 | 18,203,000 |
| Interest expense | 628,000 | 1,300,000 | 1,999,000 | 2,718,000 |
| Net interest income | 3,566,000 | 7,278,000 | 11,256,000 | 15,485,000 |
| Noninterest income | 300,000 | 734,000 | 1,109,000 | 1,504,000 |
| Noninterest expense | 2,478,000 | 5,326,000 | 8,292,000 | 11,585,000 |
| Provision for loan losses | 170,000 | 295,000 | 435,000 | 610,000 |
| Pretax income | 1,218,000 | 2,391,000 | 3,638,000 | 4,794,000 |
| Income tax | 414,000 | 813,000 | 1,247,000 | 1,764,000 |
| Net income | 804,000 | 1,578,000 | 2,391,000 | 3,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,117,000 | 40,955,000 | 41,791,000 | 41,898,000 |
| Total capital | 42,310,000 | 43,265,000 | 44,201,000 | 44,472,000 |
| Risk-weighted assets | 292,257,000 | 305,974,000 | 323,257,000 | 346,125,000 |