Call reports 2006
PILOT BANK — 2006
What PILOT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 186,073,000 | 187,088,000 | 204,319,000 | 206,704,000 |
| Total loans | 114,898,000 | 120,311,000 | 126,743,000 | 137,114,000 |
| Allowance for loan losses | 1,525,000 | 1,611,000 | 1,708,000 | 1,665,000 |
| Securities available for sale | 32,544,000 | 35,836,000 | 37,314,000 | 36,893,000 |
| Securities held to maturity | 2,376,000 | 2,621,000 | 2,583,000 | 2,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,490,000 | 155,798,000 | 170,817,000 | 167,317,000 |
| Interest-bearing deposits | 116,212,000 | 126,028,000 | 137,689,000 | 138,119,000 |
| Noninterest-bearing deposits | 43,278,000 | 29,770,000 | 33,128,000 | 29,198,000 |
| Equity capital | 21,459,000 | 22,542,000 | 23,012,000 | 23,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,422,000 | 5,173,000 | 8,048,000 | 11,508,000 |
| Interest expense | 893,000 | 1,989,000 | 3,284,000 | 4,770,000 |
| Net interest income | 1,529,000 | 3,184,000 | 4,764,000 | 6,738,000 |
| Noninterest income | 300,000 | 619,000 | 912,000 | 1,224,000 |
| Noninterest expense | 1,587,000 | 3,266,000 | 4,919,000 | 6,855,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 137,000 | 327,000 | 442,000 | 792,000 |
| Income tax | 7,000 | 39,000 | 49,000 | 167,000 |
| Net income | 130,000 | 288,000 | 393,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,328,000 | 22,681,000 | 22,763,000 | 23,453,000 |
| Total capital | 22,853,000 | 24,292,000 | 24,471,000 | 25,118,000 |
| Risk-weighted assets | 143,990,000 | 149,829,000 | 158,889,000 | 167,553,000 |