Call reports 2007
PILLAR BANK — 2007
What PILLAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 116,658,000 | 117,954,000 | 172,017,000 | 176,661,000 |
| Total loans | 90,617,000 | 94,956,000 | 122,030,000 | 124,944,000 |
| Allowance for loan losses | 1,001,000 | 909,000 | 1,331,000 | 1,255,000 |
| Securities available for sale | 9,440,000 | 8,646,000 | 25,625,000 | 23,756,000 |
| Securities held to maturity | 5,750,000 | 5,458,000 | 5,456,000 | 4,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,192,000 | 103,314,000 | 145,069,000 | 149,722,000 |
| Interest-bearing deposits | 87,110,000 | 88,592,000 | 123,706,000 | 125,260,000 |
| Noninterest-bearing deposits | 14,082,000 | 14,722,000 | 21,363,000 | 24,462,000 |
| Equity capital | 10,288,000 | 10,034,000 | 20,489,000 | 21,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,879,000 | 3,772,000 | 6,222,000 | 8,966,000 |
| Interest expense | 864,000 | 1,735,000 | 2,842,000 | 4,085,000 |
| Net interest income | 1,015,000 | 2,037,000 | 3,380,000 | 4,881,000 |
| Noninterest income | 188,000 | 337,000 | 536,000 | 788,000 |
| Noninterest expense | 805,000 | 1,641,000 | 2,649,000 | 3,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 398,000 | 733,000 | 1,267,000 | 1,838,000 |
| Income tax | 5,000 | 10,000 | 35,000 | 72,000 |
| Net income | 393,000 | 723,000 | 1,232,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,348,000 | 10,087,000 | 16,410,000 | 16,966,000 |
| Total capital | 11,349,000 | 10,996,000 | 17,741,000 | 18,221,000 |
| Risk-weighted assets | 96,163,000 | 99,800,000 | 131,365,000 | 134,223,000 |