Call reports 2006
PILLAR BANK — 2006
What PILLAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,008,000 | 116,086,000 | 118,789,000 | 116,407,000 |
| Total loans | 90,824,000 | 91,851,000 | 91,418,000 | 90,162,000 |
| Allowance for loan losses | 1,044,000 | 1,058,000 | 1,069,000 | 1,000,000 |
| Securities available for sale | 9,890,000 | 9,848,000 | 9,967,000 | 10,001,000 |
| Securities held to maturity | 7,007,000 | 6,849,000 | 6,721,000 | 6,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,755,000 | 96,078,000 | 97,587,000 | 100,169,000 |
| Interest-bearing deposits | 83,920,000 | 80,311,000 | 83,422,000 | 84,548,000 |
| Noninterest-bearing deposits | 12,835,000 | 15,767,000 | 14,165,000 | 15,621,000 |
| Equity capital | 14,892,000 | 14,812,000 | 14,958,000 | 10,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,805,000 | 3,652,000 | 5,567,000 | 7,455,000 |
| Interest expense | 578,000 | 1,221,000 | 1,920,000 | 2,746,000 |
| Net interest income | 1,227,000 | 2,431,000 | 3,647,000 | 4,709,000 |
| Noninterest income | 203,000 | 369,000 | 528,000 | 655,000 |
| Noninterest expense | 760,000 | 1,495,000 | 2,210,000 | 3,033,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 655,000 | 1,275,000 | 1,920,000 | 2,271,000 |
| Income tax | -207,000 | -201,000 | -196,000 | -186,000 |
| Net income | 862,000 | 1,476,000 | 2,116,000 | 2,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,088,000 | 15,054,000 | 15,084,000 | 10,261,000 |
| Total capital | 16,132,000 | 16,112,000 | 16,153,000 | 11,261,000 |
| Risk-weighted assets | 93,894,000 | 95,478,000 | 96,649,000 | 94,988,000 |