Call reports 2004
PILOT BANK — 2004
What PILOT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 136,978,000 | 137,619,000 | 138,434,000 | 135,860,000 |
| Total loans | 84,944,000 | 87,337,000 | 92,184,000 | 93,096,000 |
| Allowance for loan losses | 956,000 | 1,079,000 | 1,194,000 | 1,239,000 |
| Securities available for sale | 31,134,000 | 29,369,000 | 26,055,000 | 24,899,000 |
| Securities held to maturity | 3,751,000 | 3,717,000 | 2,930,000 | 1,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,666,000 | 117,378,000 | 116,620,000 | 113,126,000 |
| Interest-bearing deposits | 92,302,000 | 91,719,000 | 88,836,000 | 88,678,000 |
| Noninterest-bearing deposits | 26,364,000 | 25,659,000 | 27,784,000 | 24,448,000 |
| Equity capital | 10,454,000 | 10,246,000 | 10,766,000 | 11,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,536,000 | 5,358,000 | 7,183,000 |
| Interest expense | 446,000 | 876,000 | 1,334,000 | 1,813,000 |
| Net interest income | 1,330,000 | 2,660,000 | 4,024,000 | 5,370,000 |
| Noninterest income | 356,000 | 730,000 | 1,134,000 | 1,510,000 |
| Noninterest expense | 1,190,000 | 2,376,000 | 3,563,000 | 4,761,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 391,000 | 804,000 | 1,280,000 | 1,699,000 |
| Income tax | 114,000 | 237,000 | 384,000 | 512,000 |
| Net income | 277,000 | 567,000 | 896,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,754,000 | 9,959,000 | 10,202,000 | 11,137,000 |
| Total capital | 10,710,000 | 11,038,000 | 11,396,000 | 12,376,000 |
| Risk-weighted assets | 103,764,000 | 106,600,000 | 110,461,000 | 111,909,000 |