Vitals
  • Total Assets
    1.1B 17.9 %
  • Total Deposits
    941.7M 19.6 %
  • Total Net Loans
    882.0M 19.5 %
  • Net Income
    5.0M 12.8 %
  • Book Value
    95.7M -0.2 %
  • Book Value x2
    191.4M -0.2 %
  • Book Value x3
    287.1M -0.2 %
ROAA

.493

ROAE

5.244

Efficiency Ratio

78.774

Net Interest Margin

3.519

Balance Sheet Highlights
Financial Highlights Pioneer Savings Bank All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 1,099,917 1,351,752
Total Net Loans 882,025 1,018,087
Total Deposits 941,682 1,024,500
Total Equity 95,685 162,846
Profitability
Net Income 5,004 8,523
Return on Average Assets .493 .459
Return on Average Equity 5.244 3.522
Net Interest Margin 3.519 3.356
Efficiency Ratio 78.774 79.875
Noninterest Income/Revenue 20.775 13.416
Balance Sheet Ratios
Loan-to-Deposit 93.665 92.451
Securities/Assets .087 .086
Total Equity/Total Assets .087 .12
Tangible Equity/Tangible Assets .081 .112
Capital Adequacy
Tier 1 Common Capital 104,995 151,871
Tier 1 Capital 104,995 151,871
Tier 2 Capital 10,809 7,542
Total Capital 115,804 159,397
Total Risk Weighted Assets 941,942 882,895
Leverage Ratio 9.8 12.276
Common Equity Tier 1 Capital Ratio 11.15 19.264
Tier 1 Capital Ratio 11.15 19.264
Total Capital Ratio 12.29 20.219

Timeline for Pioneer Savings Bank

Pioneer Commercial Bank

Pioneer Commercial Bank became a new subsidiary organization for Pioneer Savings Bank.

View Profile Nov 15 2004

Pioneer Savings Bank

Pioneer Savings Bank was established 135 years ago and is currently headquartered in Troy, NY.

Jan 01 1889
Relationships Role Relationship Start Relationship End
Pioneer Commercial Bank Subsidary 6/30/2007
Pioneer Commercial Bank Subsidary 11/15/2004 6/29/2007
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