Call reports 2009
PILLAR BANK — 2009
What PILLAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,656,000 | 172,287,000 | 172,594,000 | 175,405,000 |
| Total loans | 133,509,000 | 136,032,000 | 134,926,000 | 136,050,000 |
| Allowance for loan losses | 1,202,000 | 1,229,000 | 1,191,000 | 1,326,000 |
| Securities available for sale | 15,711,000 | 12,797,000 | 13,799,000 | 15,205,000 |
| Securities held to maturity | 3,497,000 | 3,031,000 | 3,430,000 | 2,580,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,548,000 | 139,350,000 | 140,570,000 | 144,939,000 |
| Interest-bearing deposits | 102,699,000 | 117,752,000 | 119,599,000 | 121,052,000 |
| Noninterest-bearing deposits | 31,849,000 | 21,598,000 | 20,971,000 | 23,887,000 |
| Equity capital | 22,039,000 | 21,368,000 | 21,260,000 | 21,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,615,000 | 6,842,000 | 8,999,000 |
| Interest expense | 699,000 | 1,403,000 | 2,106,000 | 2,751,000 |
| Net interest income | 1,588,000 | 3,212,000 | 4,736,000 | 6,248,000 |
| Noninterest income | 483,000 | 1,014,000 | 1,286,000 | 1,474,000 |
| Noninterest expense | 1,146,000 | 2,473,000 | 3,736,000 | 4,902,000 |
| Provision for loan losses | 21,000 | 60,000 | 90,000 | 240,000 |
| Pretax income | 904,000 | 1,693,000 | 2,196,000 | 2,580,000 |
| Income tax | -9,000 | -5,000 | 7,000 | 18,000 |
| Net income | 913,000 | 1,698,000 | 2,189,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,011,000 | 17,356,000 | 17,223,000 | 17,393,000 |
| Total capital | 19,213,000 | 18,585,000 | 18,414,000 | 18,719,000 |
| Risk-weighted assets | 138,131,000 | 141,682,000 | 141,617,000 | 142,605,000 |