Call reports 2003
PILLAR BANK — 2003
What PILLAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,226,000 | 111,812,000 | 109,661,000 | 108,522,000 |
| Total loans | 86,704,000 | 86,042,000 | 81,008,000 | 80,233,000 |
| Allowance for loan losses | 899,000 | 1,090,000 | 1,184,000 | 1,143,000 |
| Securities available for sale | 11,430,000 | 8,664,000 | 7,472,000 | 8,483,000 |
| Securities held to maturity | 7,187,000 | 7,156,000 | 7,597,000 | 7,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,788,000 | 94,268,000 | 92,165,000 | 91,102,000 |
| Interest-bearing deposits | 80,939,000 | 80,723,000 | 79,380,000 | 78,566,000 |
| Noninterest-bearing deposits | 12,849,000 | 13,545,000 | 12,785,000 | 12,536,000 |
| Equity capital | 13,611,000 | 13,976,000 | 14,230,000 | 14,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,366,000 | 5,048,000 | 6,553,000 |
| Interest expense | 485,000 | 949,000 | 1,361,000 | 1,753,000 |
| Net interest income | 1,230,000 | 2,417,000 | 3,687,000 | 4,800,000 |
| Noninterest income | 441,000 | 1,007,000 | 1,452,000 | 1,658,000 |
| Noninterest expense | 788,000 | 1,536,000 | 2,437,000 | 3,601,000 |
| Provision for loan losses | 32,000 | 223,000 | 353,000 | 353,000 |
| Pretax income | 851,000 | 1,665,000 | 2,349,000 | 2,504,000 |
| Income tax | 300,000 | 589,000 | 827,000 | 875,000 |
| Net income | 551,000 | 1,076,000 | 1,522,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,359,000 | 13,747,000 | 14,044,000 | 13,880,000 |
| Total capital | 14,258,000 | 14,798,000 | 15,086,000 | 14,915,000 |
| Risk-weighted assets | 84,104,000 | 84,038,000 | 83,185,000 | 82,671,000 |