Call reports 2015
PILLAR BANK — 2015
What PILLAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 158,954,000 | 159,300,000 | 156,369,000 | 156,820,000 |
| Total loans | 103,828,000 | 101,863,000 | 101,646,000 | 100,681,000 |
| Allowance for loan losses | 3,073,000 | 3,100,000 | 2,984,000 | 2,974,000 |
| Securities available for sale | 39,891,000 | 41,027,000 | 38,683,000 | 37,362,000 |
| Securities held to maturity | 220,000 | 220,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,339,000 | 137,685,000 | 134,327,000 | 134,916,000 |
| Interest-bearing deposits | 104,431,000 | 102,346,000 | 100,951,000 | 99,500,000 |
| Noninterest-bearing deposits | 32,908,000 | 35,339,000 | 33,376,000 | 35,416,000 |
| Equity capital | 14,519,000 | 14,436,000 | 15,003,000 | 14,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,953,000 | 4,429,000 | 5,926,000 |
| Interest expense | 111,000 | 218,000 | 324,000 | 429,000 |
| Net interest income | 1,328,000 | 2,735,000 | 4,105,000 | 5,497,000 |
| Noninterest income | 267,000 | 404,000 | 565,000 | 755,000 |
| Noninterest expense | 1,280,000 | 2,547,000 | 3,890,000 | 5,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 315,000 | 607,000 | 820,000 | 1,038,000 |
| Income tax | 14,000 | 27,000 | 31,000 | 34,000 |
| Net income | 301,000 | 580,000 | 789,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,611,000 | 12,892,000 | 13,110,000 | 13,335,000 |
| Total capital | 13,998,000 | 14,263,000 | 14,451,000 | 14,683,000 |
| Risk-weighted assets | 109,341,000 | 107,913,000 | 105,644,000 | 106,231,000 |