Call reports 2002
PILOT BANK — 2002
What PILOT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 108,282,000 | 115,021,000 | 116,013,000 | 117,690,000 |
| Total loans | 64,977,000 | 66,376,000 | 74,916,000 | 77,574,000 |
| Allowance for loan losses | 1,008,000 | 1,158,000 | 744,000 | 793,000 |
| Securities available for sale | 18,521,000 | 22,434,000 | 23,683,000 | 24,825,000 |
| Securities held to maturity | 1,615,000 | 1,477,000 | 1,457,000 | 1,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,996,000 | 99,939,000 | 98,990,000 | 106,070,000 |
| Interest-bearing deposits | 75,311,000 | 80,133,000 | 81,388,000 | 87,317,000 |
| Noninterest-bearing deposits | 19,685,000 | 19,806,000 | 17,602,000 | 18,753,000 |
| Equity capital | 8,037,000 | 8,178,000 | 9,301,000 | 9,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,141,000 | 4,878,000 | 6,729,000 |
| Interest expense | 567,000 | 1,140,000 | 1,748,000 | 2,391,000 |
| Net interest income | 989,000 | 2,001,000 | 3,130,000 | 4,338,000 |
| Noninterest income | 252,000 | 465,000 | 709,000 | 1,005,000 |
| Noninterest expense | 837,000 | 1,705,000 | 2,662,000 | 3,773,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 254,000 | 461,000 | 727,000 | 1,045,000 |
| Income tax | 73,000 | 127,000 | 209,000 | 303,000 |
| Net income | 181,000 | 334,000 | 518,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,717,000 | 7,636,000 | 8,570,000 | 8,794,000 |
| Total capital | 8,686,000 | 8,629,000 | 9,314,000 | 9,587,000 |
| Risk-weighted assets | 77,497,000 | 79,306,000 | 88,006,000 | 89,718,000 |