Call reports 2004
PILLAR BANK — 2004
What PILLAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 108,894,000 | 105,740,000 | 108,595,000 | 107,265,000 |
| Total loans | 80,665,000 | 81,533,000 | 84,222,000 | 84,125,000 |
| Allowance for loan losses | 1,125,000 | 1,181,000 | 1,288,000 | 1,079,000 |
| Securities available for sale | 7,853,000 | 7,979,000 | 8,076,000 | 9,250,000 |
| Securities held to maturity | 7,403,000 | 8,004,000 | 8,080,000 | 7,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,304,000 | 87,864,000 | 88,790,000 | 87,904,000 |
| Interest-bearing deposits | 80,534,000 | 75,506,000 | 75,949,000 | 75,245,000 |
| Noninterest-bearing deposits | 10,770,000 | 12,358,000 | 12,841,000 | 12,659,000 |
| Equity capital | 14,291,000 | 14,434,000 | 14,540,000 | 13,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 2,985,000 | 4,497,000 | 6,042,000 |
| Interest expense | 346,000 | 670,000 | 980,000 | 1,304,000 |
| Net interest income | 1,161,000 | 2,315,000 | 3,517,000 | 4,738,000 |
| Noninterest income | 190,000 | 387,000 | 603,000 | 780,000 |
| Noninterest expense | 710,000 | 1,363,000 | 2,085,000 | 2,939,000 |
| Provision for loan losses | 25,000 | 90,000 | 198,000 | 348,000 |
| Pretax income | 616,000 | 1,289,000 | 1,877,000 | 2,271,000 |
| Income tax | 205,000 | 422,000 | 614,000 | 731,000 |
| Net income | 411,000 | 867,000 | 1,263,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,538,000 | 14,451,000 | 14,458,000 | 13,954,000 |
| Total capital | 14,571,000 | 15,498,000 | 15,542,000 | 15,028,000 |
| Risk-weighted assets | 82,562,000 | 83,638,000 | 86,533,000 | 85,948,000 |