REGULATORY CAPITAL (Tables)

12 Months Ended

Jun. 30, 2022

REGULATORY CAPITAL

Schedule of actual capital amounts and ratios for the Bank and Pioneer Commercial Bank

The actual capital amounts and ratios for the Bank and Pioneer Commercial Bank, are presented in the following table (dollars in thousands):

													To be Well
									For Capital				Capitalized Under
					For Capital				Adequacy Purposes				Prompt
	Actual				Adequacy Purposes				with Capital Buffer				Corrective Action
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Pioneer Bank:
As of June 30, 2022
Tier 1 (leverage) capital	$	185,892	9.48	%	$	78,405	4.00	%		N/A	N/A		$	98,006	5.00	%
Risk-based capital
Common Tier 1	$	185,892	17.98	%	$	46,515	4.50	%	$	72,357	7.00	%	$	67,189	6.50	%
Tier 1	$	185,892	17.98	%	$	62,021	6.00	%	$	87,862	8.50	%	$	82,694	8.00	%
Total	$	198,932	19.25	%	$	82,694	8.00	%	$	108,536	10.50	%	$	103,368	10.00	%
As of June 30, 2021
Tier 1 (leverage) capital	$	177,269	10.00	%	$	70,894	4.00	%		N/A	N/A		$	88,617	5.00	%
Risk-based capital
Common Tier 1	$	177,269	16.82	%	$	47,422	4.50	%	$	73,768	7.00	%	$	68,499	6.50	%
Tier 1	$	177,269	16.82	%	$	63,230	6.00	%	$	89,576	8.50	%	$	84,307	8.00	%
Total	$	190,566	18.08	%	$	84,307	8.00	%	$	110,652	10.50	%	$	105,383	10.00	%

													To be Well
									For Capital				Capitalized Under
					For Capital				Adequacy Purposes				Prompt
	Actual				Adequacy Purposes				with Capital Buffer				Corrective Action
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Pioneer Commercial Bank:
As of June 30, 2022
Tier 1 (leverage) capital	$	39,264	7.65	%	$	20,532	4.00	%		N/A	N/A		$	25,665	5.00	%
Risk-based capital
Common Tier 1	$	39,264	40.43	%	$	4,370	4.50	%	$	6,797	7.00	%	$	6,312	6.50	%
Tier 1	$	39,264	40.43	%	$	5,826	6.00	%	$	8,254	8.50	%	$	7,768	8.00	%
Total	$	39,264	40.43	%	$	7,768	8.00	%	$	10,196	10.50	%	$	9,711	10.00	%
As of June 30, 2021
Tier 1 (leverage) capital	$	30,966	7.53	%	$	16,442	4.00	%		N/A	N/A		$	20,553	5.00	%
Risk-based capital
Common Tier 1	$	30,966	37.65	%	$	3,702	4.50	%	$	5,758	7.00	%	$	5,347	6.50	%
Tier 1	$	30,966	37.65	%	$	4,935	6.00	%	$	6,992	8.50	%	$	6,580	8.00	%
Total	$	30,966	37.65	%	$	6,580	8.00	%	$	8,637	10.50	%	$	8,226	10.00	%