Call reports 2018
PILLAR BANK — 2018
What PILLAR BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 170,861,000 | 169,531,000 | 171,471,000 | 177,219,000 |
| Total loans | 109,826,000 | 108,660,000 | 109,459,000 | 108,177,000 |
| Allowance for loan losses | 1,765,000 | 1,844,000 | 1,846,000 | 1,820,000 |
| Securities available for sale | 48,797,000 | 48,989,000 | 49,025,000 | 49,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,737,000 | 137,046,000 | 132,731,000 | 137,345,000 |
| Interest-bearing deposits | 99,160,000 | 100,592,000 | 98,007,000 | 97,105,000 |
| Noninterest-bearing deposits | 38,577,000 | 36,454,000 | 34,724,000 | 40,240,000 |
| Equity capital | 16,477,000 | 16,278,000 | 15,678,000 | 16,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,650,000 | 3,354,000 | 5,096,000 | 6,897,000 |
| Interest expense | 145,000 | 327,000 | 519,000 | 736,000 |
| Net interest income | 1,505,000 | 3,027,000 | 4,577,000 | 6,161,000 |
| Noninterest income | 194,000 | 391,000 | 574,000 | 814,000 |
| Noninterest expense | 1,172,000 | 2,382,000 | 3,706,000 | 4,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 527,000 | 1,036,000 | 1,445,000 | 2,004,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 2,000 |
| Net income | 522,000 | 1,031,000 | 1,440,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,328,000 | 17,364,000 | 17,373,000 | 17,105,000 |
| Total capital | 18,806,000 | 18,837,000 | 18,846,000 | 18,548,000 |
| Risk-weighted assets | 117,914,000 | 117,431,000 | 117,496,000 | 115,031,000 |