Call reports 2010
PILLAR BANK — 2010
What PILLAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 173,942,000 | 175,707,000 | 174,479,000 | 176,196,000 |
| Total loans | 138,468,000 | 139,721,000 | 138,947,000 | 137,470,000 |
| Allowance for loan losses | 1,388,000 | 1,398,000 | 3,421,000 | 4,552,000 |
| Securities available for sale | 15,439,000 | 14,496,000 | 13,979,000 | 13,801,000 |
| Securities held to maturity | 2,420,000 | 2,175,000 | 1,675,000 | 1,790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,441,000 | 143,709,000 | 144,236,000 | 148,868,000 |
| Interest-bearing deposits | 120,584,000 | 119,552,000 | 121,031,000 | 122,235,000 |
| Noninterest-bearing deposits | 20,857,000 | 24,157,000 | 23,205,000 | 26,633,000 |
| Equity capital | 21,584,000 | 21,865,000 | 19,810,000 | 18,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,356,000 | 5,944,000 | 8,039,000 |
| Interest expense | 590,000 | 1,102,000 | 1,597,000 | 2,058,000 |
| Net interest income | 1,547,000 | 3,254,000 | 4,347,000 | 5,981,000 |
| Noninterest income | 271,000 | 485,000 | 826,000 | 1,120,000 |
| Noninterest expense | 1,291,000 | 2,486,000 | 3,741,000 | 4,667,000 |
| Provision for loan losses | 60,000 | 120,000 | 2,167,000 | 3,780,000 |
| Pretax income | 467,000 | 1,133,000 | -735,000 | -1,346,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 467,000 | 1,133,000 | -735,000 | -1,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,642,000 | 17,889,000 | 15,870,000 | 15,029,000 |
| Total capital | 19,030,000 | 19,287,000 | 17,695,000 | 16,841,000 |
| Risk-weighted assets | 144,927,000 | 146,367,000 | 144,394,000 | 142,194,000 |