Call reports 2005
PILLAR BANK — 2005
What PILLAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,527,000 | 115,761,000 | 114,840,000 | 120,627,000 |
| Total loans | 85,181,000 | 86,881,000 | 87,737,000 | 89,767,000 |
| Allowance for loan losses | 1,064,000 | 1,061,000 | 1,059,000 | 1,024,000 |
| Securities available for sale | 9,530,000 | 9,945,000 | 10,095,000 | 10,136,000 |
| Securities held to maturity | 7,515,000 | 7,471,000 | 7,467,000 | 7,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,512,000 | 96,006,000 | 95,059,000 | 99,827,000 |
| Interest-bearing deposits | 76,424,000 | 80,751,000 | 81,104,000 | 83,479,000 |
| Noninterest-bearing deposits | 13,088,000 | 15,255,000 | 13,955,000 | 16,348,000 |
| Equity capital | 13,929,000 | 14,302,000 | 14,506,000 | 14,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,181,000 | 4,902,000 | 6,659,000 |
| Interest expense | 331,000 | 785,000 | 1,285,000 | 1,834,000 |
| Net interest income | 1,202,000 | 2,396,000 | 3,617,000 | 4,825,000 |
| Noninterest income | 161,000 | 389,000 | 701,000 | 901,000 |
| Noninterest expense | 773,000 | 1,518,000 | 2,237,000 | 3,069,000 |
| Provision for loan losses | 150,000 | 150,000 | 190,000 | 190,000 |
| Pretax income | 440,000 | 1,117,000 | 1,891,000 | 2,467,000 |
| Income tax | 134,000 | 364,000 | 645,000 | 825,000 |
| Net income | 306,000 | 753,000 | 1,246,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,064,000 | 14,313,000 | 14,609,000 | 14,223,000 |
| Total capital | 15,128,000 | 15,374,000 | 15,668,000 | 15,247,000 |
| Risk-weighted assets | 87,273,000 | 89,655,000 | 90,567,000 | 93,119,000 |
Machine access — free, no API key
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