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Pioneer Bank, A FSB, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$15,667,000	1,388
Total interest expense	$5,663,000	1,230
Net interest income	$10,004,000	1,471
Provision for loan and lease losses	$-127,000	9,146
Total noninterest income	$2,900,000	1,408
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,900,000	943
Total noninterest expense	$8,105,000	1,479
Salaries and employee benefits	$5,458,000	1,175
Premises and equipment expense	$1,092,000	1,570
Additional noninterest expense	$1,555,000	2,308
Pre-tax net operating income	$4,926,000	1,309
Securities gains (losses)	$170,000	1,331
Applicable income taxes	$1,359,000	1,446
Income before extraordinary items	$3,737,000	1,329
Extraordinary gains, net	$0	40
Net income	$3,737,000	1,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	3,971
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,612,900	1,303
2003-06-30 (YTD Data)		Rank
Total interest income	$10,756,000	1,360
Total interest expense	$3,952,000	1,215
Net interest income	$6,804,000	1,437
Provision for loan and lease losses	$-97,000	9,190
Total noninterest income	$1,925,000	1,404
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,925,000	940
Total noninterest expense	$5,294,000	1,516
Salaries and employee benefits	$3,551,000	1,212
Premises and equipment expense	$724,000	1,583
Additional noninterest expense	$1,019,000	2,327
Pre-tax net operating income	$3,532,000	1,214
Securities gains (losses)	$170,000	1,142
Applicable income taxes	$978,000	1,397
Income before extraordinary items	$2,724,000	1,221
Extraordinary gains, net	$0	30
Net income	$2,724,000	1,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	3,471
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,598,200	1,186
2003-03-31 (YTD Data)		Rank
Total interest income	$5,491,000	1,335
Total interest expense	$2,002,000	1,221
Net interest income	$3,489,000	1,405
Provision for loan and lease losses	$-51,000	9,233
Total noninterest income	$1,001,000	1,331
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,001,000	890
Total noninterest expense	$2,655,000	1,506
Salaries and employee benefits	$1,735,000	1,235
Premises and equipment expense	$381,000	1,513
Additional noninterest expense	$539,000	2,184
Pre-tax net operating income	$1,886,000	1,148
Securities gains (losses)	$0	2,891
Applicable income taxes	$440,000	1,518
Income before extraordinary items	$1,446,000	1,153
Extraordinary gains, net	$0	21
Net income	$1,446,000	1,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	2,298
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,446,000	1,061
2002-12-31 (YTD Data)		Rank
Total interest income	$24,992,000	1,230
Total interest expense	$9,726,000	1,155
Net interest income	$15,266,000	1,261
Provision for loan and lease losses	$53,000	6,648
Total noninterest income	$3,622,000	1,354
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,622,000	885
Total noninterest expense	$10,477,000	1,466
Salaries and employee benefits	$6,716,000	1,198
Premises and equipment expense	$1,546,000	1,426
Additional noninterest expense	$2,215,000	2,091
Pre-tax net operating income	$8,358,000	1,008
Securities gains (losses)	$0	4,537
Applicable income taxes	$2,799,000	984
Income before extraordinary items	$5,559,000	1,129
Extraordinary gains, net	$0	70
Net income	$5,559,000	1,129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	4,113
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,559,000	1,081
2001-12-31 (YTD Data)		Rank
Total interest income	$27,934,000	1,228
Total interest expense	$13,977,000	1,153
Net interest income	$13,957,000	1,274
Provision for loan and lease losses	$409,000	2,579
Total noninterest income	$3,334,000	1,361
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,334,000	875
Total noninterest expense	$9,810,000	1,501
Salaries and employee benefits	$6,162,000	1,205
Premises and equipment expense	$1,576,000	1,358
Additional noninterest expense	$2,072,000	2,170
Pre-tax net operating income	$7,072,000	1,056
Securities gains (losses)	$392,000	734
Applicable income taxes	$2,151,000	1,106
Income before extraordinary items	$5,313,000	1,035
Extraordinary gains, net	$0	105
Net income	$5,313,000	1,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	4,067
Cash dividends	$14,000,000	292
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$5,034,680	1,045
2000-12-31 (YTD Data)		Rank
Total interest income	$27,588,000	1,290
Total interest expense	$14,965,000	1,156
Net interest income	$12,623,000	1,392
Provision for loan and lease losses	$783,000	1,297
Total noninterest income	$2,267,000	1,705
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,267,000	1,039
Total noninterest expense	$10,414,000	1,332
Salaries and employee benefits	$6,678,000	1,057
Premises and equipment expense	$1,554,000	1,321
Additional noninterest expense	$2,182,000	1,997
Pre-tax net operating income	$3,693,000	1,978
Securities gains (losses)	$-954,000	9,756
Applicable income taxes	$947,000	2,226
Income before extraordinary items	$1,792,000	2,810
Extraordinary gains, net	$0	38
Net income	$1,792,000	2,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,010
Cash dividends	$6,535,000	515
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,412,100	2,148
1999-12-31 (YTD Data)		Rank
Total interest income	$23,099,000	1,414
Total interest expense	$10,824,000	1,383
Net interest income	$12,275,000	1,421
Provision for loan and lease losses	$323,000	2,504
Total noninterest income	$1,857,000	1,957
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,857,000	1,216
Total noninterest expense	$9,295,000	1,497
Salaries and employee benefits	$6,028,000	1,143
Premises and equipment expense	$1,203,000	1,705
Additional noninterest expense	$2,064,000	2,113
Pre-tax net operating income	$4,514,000	1,669
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,503,000	1,604
Income before extraordinary items	$3,011,000	1,767
Extraordinary gains, net	$0	35
Net income	$3,011,000	1,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,094
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,011,000	1,736
1998-12-31 (YTD Data)		Rank
Total interest income	$19,790,000	1,643
Total interest expense	$7,928,000	1,929
Net interest income	$11,862,000	1,415
Provision for loan and lease losses	$296,000	2,679
Total noninterest income	$1,328,000	2,481
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,328,000	1,516
Total noninterest expense	$7,365,000	1,773
Salaries and employee benefits	$4,956,000	1,330
Premises and equipment expense	$903,000	2,150
Additional noninterest expense	$1,506,000	2,762
Pre-tax net operating income	$5,529,000	1,363
Securities gains (losses)	$-1,000	9,769
Applicable income taxes	$2,177,000	1,160
Income before extraordinary items	$3,351,000	1,575
Extraordinary gains, net	$0	32
Net income	$3,351,000	1,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,064
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,351,640	1,516
1997-12-31 (YTD Data)		Rank
Total interest income	$17,432,000	1,895
Total interest expense	$7,762,000	1,985
Net interest income	$9,670,000	1,799
Provision for loan and lease losses	$282,000	2,747
Total noninterest income	$1,148,000	2,734
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-73,000	4,484
Additional Noninterest Income	$1,221,000	1,533
Total noninterest expense	$5,774,000	2,234
Salaries and employee benefits	$3,611,000	1,811
Premises and equipment expense	$753,000	2,563
Additional noninterest expense	$1,410,000	2,897
Pre-tax net operating income	$4,762,000	1,625
Securities gains (losses)	$5,000	2,787
Applicable income taxes	$1,959,000	1,353
Income before extraordinary items	$2,808,000	1,875
Extraordinary gains, net	$0	44
Net income	$2,808,000	1,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,716
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$22,904,000	41
Net operating income	$2,804,800	1,826
1996-12-31 (YTD Data)		Rank
Total interest income	$15,992,000	2,106
Total interest expense	$7,657,000	2,054
Net interest income	$8,335,000	2,155
Provision for loan and lease losses	$118,000	4,759
Total noninterest income	$895,000	3,412
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-73,000	4,673
Additional Noninterest Income	$968,000	1,858
Total noninterest expense	$6,411,000	2,144
Salaries and employee benefits	$3,055,000	2,189
Premises and equipment expense	$617,000	3,121
Additional noninterest expense	$2,739,000	1,870
Pre-tax net operating income	$2,701,000	2,588
Securities gains (losses)	$24,000	1,866
Applicable income taxes	$1,062,000	2,223
Income before extraordinary items	$1,663,000	2,898
Extraordinary gains, net	$0	53
Net income	$1,663,000	2,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,647,640	2,892
1995-12-31 (YTD Data)		Rank
Total interest income	$15,142,000	2,225
Total interest expense	$7,955,000	1,968
Net interest income	$7,187,000	2,496
Provision for loan and lease losses	$132,000	3,911
Total noninterest income	$1,506,000	2,278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$492,000	179
Additional Noninterest Income	$1,014,000	1,784
Total noninterest expense	$4,982,000	2,730
Salaries and employee benefits	$3,007,000	2,206
Premises and equipment expense	$578,000	3,309
Additional noninterest expense	$1,397,000	3,270
Pre-tax net operating income	$3,579,000	2,059
Securities gains (losses)	$30,000	1,626
Applicable income taxes	$1,429,000	1,716
Income before extraordinary items	$2,180,000	2,319
Extraordinary gains, net	$0	65
Net income	$2,180,000	2,317
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,002
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$2,160,800	2,314
1994-12-31 (YTD Data)		Rank
Total interest income	$14,146,000	2,165
Total interest expense	$6,363,000	1,961
Net interest income	$7,783,000	2,310
Provision for loan and lease losses	$72,000	5,248
Total noninterest income	$884,000	3,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-401,000	4,920
Additional Noninterest Income	$1,285,000	1,552
Total noninterest expense	$4,663,000	2,962
Salaries and employee benefits	$2,736,000	2,448
Premises and equipment expense	$588,000	3,331
Additional noninterest expense	$1,339,000	3,677
Pre-tax net operating income	$3,932,000	1,812
Securities gains (losses)	$68,000	974
Applicable income taxes	$1,516,000	1,544
Income before extraordinary items	$2,484,000	1,965
Extraordinary gains, net	$0	249
Net income	$2,484,000	1,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,370
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,440,480	2,017
1993-12-31 (YTD Data)		Rank
Total interest income	$14,168,000	2,194
Total interest expense	$6,975,000	1,863
Net interest income	$7,193,000	2,491
Provision for loan and lease losses	$19,000	9,170
Total noninterest income	$1,365,000	2,630
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$85,000	279
Additional Noninterest Income	$1,280,000	1,737
Total noninterest expense	$4,377,000	3,197
Salaries and employee benefits	$2,517,000	2,629
Premises and equipment expense	$567,000	3,489
Additional noninterest expense	$1,293,000	3,947
Pre-tax net operating income	$4,162,000	1,661
Securities gains (losses)	$110,000	2,365
Applicable income taxes	$1,700,000	1,393
Income before extraordinary items	$2,572,000	1,949
Extraordinary gains, net	$0	3,149
Net income	$2,572,000	2,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	6,927
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,501,600	1,884
1992-12-31 (YTD Data)		Rank
Total interest income	$14,690,000	2,392
Total interest expense	$8,519,000	1,998
Net interest income	$6,171,000	2,948
Provision for loan and lease losses	$56,000	8,797
Total noninterest income	$1,353,000	2,590
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$33,000	344
Additional Noninterest Income	$1,320,000	1,649
Total noninterest expense	$4,250,000	3,321
Salaries and employee benefits	$2,272,000	2,853
Premises and equipment expense	$517,000	3,851
Additional noninterest expense	$1,461,000	3,681
Pre-tax net operating income	$3,218,000	1,936
Securities gains (losses)	$139,000	2,518
Applicable income taxes	$1,203,000	1,754
Income before extraordinary items	$2,154,000	2,134
Extraordinary gains, net	$0	1,422
Net income	$2,154,000	2,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	8,726
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,065,040	2,034

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.