Call reports 2025
PILLAR BANK — 2025
What PILLAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 258,947,000 | 265,404,000 | 267,407,000 | 266,853,000 |
| Total loans | 145,189,000 | 155,483,000 | 157,677,000 | 159,584,000 |
| Allowance for loan losses | 1,793,000 | 1,795,000 | 1,811,000 | 2,078,000 |
| Securities available for sale | 64,799,000 | 64,792,000 | 65,164,000 | 59,661,000 |
| Securities held to maturity | 23,646,000 | 23,799,000 | 23,950,000 | 24,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,064,000 | 188,247,000 | 186,931,000 | 194,970,000 |
| Interest-bearing deposits | 148,319,000 | 138,839,000 | 136,457,000 | 141,401,000 |
| Noninterest-bearing deposits | 47,745,000 | 49,408,000 | 50,474,000 | 53,569,000 |
| Equity capital | 16,831,000 | 17,486,000 | 18,571,000 | 19,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,226,000 | 6,390,000 | 9,582,000 | 12,880,000 |
| Interest expense | 878,000 | 1,807,000 | 2,757,000 | 3,608,000 |
| Net interest income | 2,348,000 | 4,583,000 | 6,825,000 | 9,272,000 |
| Noninterest income | 211,000 | 379,000 | 557,000 | 741,000 |
| Noninterest expense | 1,918,000 | 3,737,000 | 5,780,000 | 7,821,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 0 |
| Pretax income | 641,000 | 1,225,000 | 1,587,000 | 2,004,000 |
| Income tax | 120,000 | 229,000 | 288,000 | 362,000 |
| Net income | 521,000 | 996,000 | 1,299,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,928,000 | 24,028,000 | 24,231,000 | 24,574,000 |
| Total capital | 25,775,000 | 25,876,000 | — | — |
| Risk-weighted assets | 171,541,000 | 184,970,000 | — | — |