Call reports 2011
PILLAR BANK — 2011
What PILLAR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 174,959,000 | 170,784,000 | 173,679,000 | 170,108,000 |
| Total loans | 139,147,000 | 138,592,000 | 136,136,000 | 128,022,000 |
| Allowance for loan losses | 4,521,000 | 6,023,000 | 5,910,000 | 6,000,000 |
| Securities available for sale | 12,786,000 | 13,440,000 | 14,210,000 | 12,619,000 |
| Securities held to maturity | 1,590,000 | 1,595,000 | 1,510,000 | 1,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,611,000 | 146,049,000 | 149,116,000 | 148,238,000 |
| Interest-bearing deposits | 121,892,000 | 117,178,000 | 115,949,000 | 115,309,000 |
| Noninterest-bearing deposits | 27,719,000 | 28,871,000 | 33,167,000 | 32,929,000 |
| Equity capital | 19,173,000 | 15,015,000 | 15,660,000 | 13,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,939,000 | 3,877,000 | 5,814,000 | 7,646,000 |
| Interest expense | 404,000 | 754,000 | 1,077,000 | 1,383,000 |
| Net interest income | 1,535,000 | 3,123,000 | 4,737,000 | 6,263,000 |
| Noninterest income | 202,000 | 373,000 | 626,000 | 752,000 |
| Noninterest expense | 1,339,000 | 3,526,000 | 4,825,000 | 7,919,000 |
| Provision for loan losses | 0 | 3,841,000 | 3,841,000 | 4,913,000 |
| Pretax income | 398,000 | -3,871,000 | -3,235,000 | -5,749,000 |
| Income tax | 7,000 | 7,000 | 0 | 7,000 |
| Net income | 391,000 | -3,878,000 | -3,235,000 | -5,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,446,000 | 11,206,000 | 11,874,000 | 11,001,000 |
| Total capital | 17,276,000 | 12,969,000 | 13,613,000 | 12,640,000 |
| Risk-weighted assets | 143,735,000 | 136,241,000 | 134,366,000 | 126,448,000 |