Call reports 2023
PILLAR BANK — 2023
What PILLAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 255,963,000 | 260,805,000 | 256,994,000 | 259,117,000 |
| Total loans | 145,484,000 | 148,441,000 | 150,779,000 | 151,228,000 |
| Allowance for loan losses | 2,287,000 | 2,288,000 | 2,288,000 | 2,289,000 |
| Securities available for sale | 66,752,000 | 66,627,000 | 63,846,000 | 67,293,000 |
| Securities held to maturity | 22,408,000 | 22,564,000 | 22,721,000 | 22,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,147,000 | 205,428,000 | 204,800,000 | 200,397,000 |
| Interest-bearing deposits | 151,252,000 | 150,150,000 | 150,351,000 | 145,520,000 |
| Noninterest-bearing deposits | 52,895,000 | 55,278,000 | 54,449,000 | 54,877,000 |
| Equity capital | 13,789,000 | 14,263,000 | 11,719,000 | 14,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,540,000 | 5,166,000 | 7,825,000 | 10,614,000 |
| Interest expense | 577,000 | 1,347,000 | 2,175,000 | 3,043,000 |
| Net interest income | 1,963,000 | 3,819,000 | 5,650,000 | 7,571,000 |
| Noninterest income | 400,000 | 582,000 | 777,000 | 951,000 |
| Noninterest expense | 6,219,000 | 7,863,000 | 8,596,000 | 10,611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,856,000 | -3,462,000 | -2,169,000 | -2,089,000 |
| Income tax | -4,305,000 | -4,207,000 | -3,289,000 | -3,246,000 |
| Net income | 449,000 | 745,000 | 1,120,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,003,000 | 23,300,000 | 23,475,000 | 23,261,000 |
| Total capital | 25,171,000 | 25,497,000 | 25,693,000 | 25,508,000 |
| Risk-weighted assets | 173,304,000 | 175,558,000 | 177,307,000 | 179,712,000 |