Call reports 2016
PILLAR BANK — 2016
What PILLAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,633,000 | 150,760,000 | 158,115,000 | 157,074,000 |
| Total loans | 104,453,000 | 106,734,000 | 100,970,000 | 100,375,000 |
| Allowance for loan losses | 1,980,000 | 1,985,000 | 2,215,000 | 2,452,000 |
| Securities available for sale | 33,635,000 | 28,191,000 | 44,036,000 | 45,001,000 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,682,000 | 129,389,000 | 127,258,000 | 129,461,000 |
| Interest-bearing deposits | 97,802,000 | 96,331,000 | 94,135,000 | 94,276,000 |
| Noninterest-bearing deposits | 31,880,000 | 33,058,000 | 33,122,000 | 35,185,000 |
| Equity capital | 16,817,000 | 17,451,000 | 17,475,000 | 15,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,501,000 | 3,016,000 | 4,437,000 | 5,898,000 |
| Interest expense | 100,000 | 194,000 | 286,000 | 386,000 |
| Net interest income | 1,401,000 | 2,822,000 | 4,151,000 | 5,512,000 |
| Noninterest income | 147,000 | 269,000 | 441,000 | 582,000 |
| Noninterest expense | 1,199,000 | 2,318,000 | 3,436,000 | 4,796,000 |
| Provision for loan losses | -1,000,000 | -1,000,000 | -775,000 | -550,000 |
| Pretax income | 1,366,000 | 1,829,000 | 1,987,000 | 2,054,000 |
| Income tax | 17,000 | 23,000 | 29,000 | 34,000 |
| Net income | 1,349,000 | 1,806,000 | 1,958,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,683,000 | 15,154,000 | 15,322,000 | 15,388,000 |
| Total capital | 16,054,000 | 16,543,000 | 16,639,000 | 16,688,000 |
| Risk-weighted assets | 109,101,000 | 110,517,000 | 104,443,000 | 102,808,000 |