Call reports 2008
PILLAR BANK — 2008
What PILLAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,673,000 | 172,977,000 | 172,632,000 | 166,624,000 |
| Total loans | 123,764,000 | 123,733,000 | 123,450,000 | 126,994,000 |
| Allowance for loan losses | 1,267,000 | 1,269,000 | 1,258,000 | 1,187,000 |
| Securities available for sale | 19,239,000 | 20,559,000 | 22,020,000 | 20,970,000 |
| Securities held to maturity | 4,429,000 | 4,092,000 | 4,092,000 | 3,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,088,000 | 145,600,000 | 146,257,000 | 138,183,000 |
| Interest-bearing deposits | 125,380,000 | 123,172,000 | 120,855,000 | 116,753,000 |
| Noninterest-bearing deposits | 21,708,000 | 22,428,000 | 25,402,000 | 21,430,000 |
| Equity capital | 21,601,000 | 21,068,000 | 21,134,000 | 22,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,363,000 | 7,837,000 | 10,266,000 |
| Interest expense | 1,145,000 | 2,155,000 | 3,072,000 | 3,919,000 |
| Net interest income | 1,693,000 | 3,208,000 | 4,765,000 | 6,347,000 |
| Noninterest income | 280,000 | 543,000 | 726,000 | 926,000 |
| Noninterest expense | 1,061,000 | 2,224,000 | 3,314,000 | 4,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 912,000 | 1,527,000 | 2,177,000 | 2,805,000 |
| Income tax | 29,000 | 48,000 | 2,000 | 12,000 |
| Net income | 883,000 | 1,479,000 | 2,175,000 | 2,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,473,000 | 17,241,000 | 17,259,000 | 17,903,000 |
| Total capital | 18,740,000 | 18,510,000 | 18,517,000 | 19,090,000 |
| Risk-weighted assets | 131,441,000 | 131,794,000 | 131,493,000 | 133,785,000 |