Call reports 2012
PILLAR BANK — 2012
What PILLAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 166,850,000 | 165,551,000 | 168,282,000 | 173,705,000 |
| Total loans | 120,017,000 | 116,608,000 | 104,869,000 | 96,780,000 |
| Allowance for loan losses | 5,984,000 | 5,643,000 | 3,907,000 | 3,614,000 |
| Securities available for sale | 10,589,000 | 12,475,000 | 20,063,000 | 23,784,000 |
| Securities held to maturity | 1,245,000 | 1,145,000 | 1,095,000 | 855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,016,000 | 143,644,000 | 143,261,000 | 148,665,000 |
| Interest-bearing deposits | 114,241,000 | 111,664,000 | 110,945,000 | 111,285,000 |
| Noninterest-bearing deposits | 31,775,000 | 31,980,000 | 32,316,000 | 37,380,000 |
| Equity capital | 13,655,000 | 13,272,000 | 13,589,000 | 13,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,415,000 | 5,070,000 | 6,388,000 |
| Interest expense | 252,000 | 474,000 | 665,000 | 837,000 |
| Net interest income | 1,495,000 | 2,941,000 | 4,405,000 | 5,551,000 |
| Noninterest income | 997,000 | 988,000 | 1,127,000 | 937,000 |
| Noninterest expense | 1,384,000 | 2,732,000 | 3,835,000 | 5,215,000 |
| Provision for loan losses | 525,000 | 987,000 | 1,186,000 | 1,186,000 |
| Pretax income | 583,000 | 210,000 | 511,000 | 87,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 583,000 | 210,000 | 510,000 | 86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,603,000 | 11,253,000 | 11,576,000 | 11,173,000 |
| Total capital | 13,123,000 | 12,724,000 | 12,885,000 | 12,354,000 |
| Risk-weighted assets | 116,768,000 | 113,159,000 | 102,107,000 | 96,591,000 |