Call reports 2020
PILLAR BANK — 2020
What PILLAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 191,960,000 | 215,911,000 | 221,399,000 | 229,541,000 |
| Total loans | 108,980,000 | 121,677,000 | 119,944,000 | 115,090,000 |
| Allowance for loan losses | 2,129,000 | 2,225,000 | 2,318,000 | 2,320,000 |
| Securities available for sale | 67,068,000 | 70,927,000 | 71,814,000 | 89,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,056,000 | 151,819,000 | 153,752,000 | 163,406,000 |
| Interest-bearing deposits | 98,756,000 | 103,910,000 | 108,434,000 | 111,083,000 |
| Noninterest-bearing deposits | 38,300,000 | 47,909,000 | 45,318,000 | 52,323,000 |
| Equity capital | 20,999,000 | 23,811,000 | 25,737,000 | 26,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,920,000 | 6,049,000 | 8,045,000 |
| Interest expense | 246,000 | 450,000 | 638,000 | 814,000 |
| Net interest income | 1,669,000 | 3,470,000 | 5,411,000 | 7,231,000 |
| Noninterest income | 192,000 | 760,000 | 966,000 | 1,119,000 |
| Noninterest expense | 1,307,000 | 2,573,000 | 3,858,000 | 5,261,000 |
| Provision for loan losses | 295,000 | 390,000 | 390,000 | 390,000 |
| Pretax income | 274,000 | 1,311,000 | 2,194,000 | 3,092,000 |
| Income tax | 2,000 | 6,000 | 8,000 | 10,000 |
| Net income | 272,000 | 1,305,000 | 2,186,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,873,000 | 18,907,000 | 19,787,000 | 20,684,000 |
| Total capital | 19,346,000 | 20,451,000 | 21,298,000 | 22,251,000 |
| Risk-weighted assets | 117,159,000 | 122,806,000 | 120,054,000 | 124,631,000 |