Call reports 2005
PILOT BANK — 2005
What PILOT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 139,141,000 | 152,520,000 | 158,865,000 | 161,365,000 |
| Total loans | 93,467,000 | 100,946,000 | 105,231,000 | 109,226,000 |
| Allowance for loan losses | 1,217,000 | 1,315,000 | 1,421,000 | 1,421,000 |
| Securities available for sale | 24,439,000 | 23,489,000 | 23,138,000 | 26,219,000 |
| Securities held to maturity | 2,126,000 | 2,470,000 | 2,434,000 | 2,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,962,000 | 134,173,000 | 137,392,000 | 134,095,000 |
| Interest-bearing deposits | 86,397,000 | 88,117,000 | 94,933,000 | 98,510,000 |
| Noninterest-bearing deposits | 29,565,000 | 46,056,000 | 42,459,000 | 35,585,000 |
| Equity capital | 13,131,000 | 13,339,000 | 13,398,000 | 19,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,892,000 | 6,078,000 | 8,402,000 |
| Interest expense | 494,000 | 1,051,000 | 1,639,000 | 2,344,000 |
| Net interest income | 1,442,000 | 2,841,000 | 4,439,000 | 6,058,000 |
| Noninterest income | 340,000 | 752,000 | 1,113,000 | 1,470,000 |
| Noninterest expense | 1,366,000 | 2,814,000 | 4,392,000 | 5,875,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 311,000 | 569,000 | 845,000 | 1,338,000 |
| Income tax | 86,000 | 153,000 | 224,000 | 379,000 |
| Net income | 225,000 | 416,000 | 621,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,766,000 | 12,892,000 | 13,041,000 | 18,812,000 |
| Total capital | 13,983,000 | 14,207,000 | 14,462,000 | 20,233,000 |
| Risk-weighted assets | 113,987,000 | 123,125,000 | 129,390,000 | 134,821,000 |