Call reports 2002
PILLAR BANK — 2002
What PILLAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,947,000 | 102,545,000 | 107,234,000 | 111,096,000 |
| Total loans | 71,434,000 | 73,418,000 | 80,517,000 | 81,343,000 |
| Allowance for loan losses | 838,000 | 897,000 | 942,000 | 885,000 |
| Securities available for sale | 15,281,000 | 14,282,000 | 11,225,000 | 13,476,000 |
| Securities held to maturity | 6,370,000 | 6,804,000 | 7,166,000 | 7,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,864,000 | 86,522,000 | 90,809,000 | 93,957,000 |
| Interest-bearing deposits | 77,160,000 | 77,155,000 | 78,521,000 | 81,516,000 |
| Noninterest-bearing deposits | 9,704,000 | 9,367,000 | 12,287,000 | 12,441,000 |
| Equity capital | 12,337,000 | 12,692,000 | 13,072,000 | 13,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,515,000 | 5,287,000 | 7,064,000 |
| Interest expense | 639,000 | 1,207,000 | 1,771,000 | 2,314,000 |
| Net interest income | 1,203,000 | 2,308,000 | 3,516,000 | 4,750,000 |
| Noninterest income | 323,000 | 550,000 | 850,000 | 1,308,000 |
| Noninterest expense | 683,000 | 1,342,000 | 2,076,000 | 3,069,000 |
| Provision for loan losses | 92,000 | 149,000 | 194,000 | 194,000 |
| Pretax income | 751,000 | 1,367,000 | 2,096,000 | 2,794,000 |
| Income tax | 257,000 | 468,000 | 724,000 | 959,000 |
| Net income | 494,000 | 899,000 | 1,372,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,174,000 | 12,453,000 | 12,794,000 | 12,954,000 |
| Total capital | 13,012,000 | 13,350,000 | 13,736,000 | 13,839,000 |
| Risk-weighted assets | 73,056,000 | 73,640,000 | 79,242,000 | 80,247,000 |