Call reports 2003
PILOT BANK — 2003
What PILOT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,677,000 | 129,799,000 | 131,489,000 | 134,421,000 |
| Total loans | 78,612,000 | 81,439,000 | 81,141,000 | 81,498,000 |
| Allowance for loan losses | 918,000 | 1,026,000 | 1,127,000 | 836,000 |
| Securities available for sale | 25,778,000 | 28,433,000 | 31,519,000 | 31,993,000 |
| Securities held to maturity | 1,409,000 | 1,138,000 | 1,524,000 | 3,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,236,000 | 115,493,000 | 119,455,000 | 120,426,000 |
| Interest-bearing deposits | 94,888,000 | 93,836,000 | 97,332,000 | 96,555,000 |
| Noninterest-bearing deposits | 19,348,000 | 21,657,000 | 22,123,000 | 23,871,000 |
| Equity capital | 9,701,000 | 10,062,000 | 9,979,000 | 10,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,633,000 | 5,410,000 | 7,334,000 |
| Interest expense | 623,000 | 1,244,000 | 1,746,000 | 2,206,000 |
| Net interest income | 1,153,000 | 2,389,000 | 3,664,000 | 5,128,000 |
| Noninterest income | 290,000 | 646,000 | 963,000 | 1,317,000 |
| Noninterest expense | 1,070,000 | 2,141,000 | 3,296,000 | 4,489,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 581,000 |
| Pretax income | 268,000 | 684,000 | 1,016,000 | 1,375,000 |
| Income tax | 78,000 | 212,000 | 315,000 | 418,000 |
| Net income | 190,000 | 472,000 | 701,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,984,000 | 9,219,000 | 9,363,000 | 9,549,000 |
| Total capital | 9,902,000 | 10,245,000 | 10,490,000 | 10,385,000 |
| Risk-weighted assets | 92,792,000 | 96,122,000 | 97,651,000 | 100,442,000 |