Call reports 2007
PILOT BANK — 2007
What PILOT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 218,574,000 | 220,057,000 | 228,557,000 | 235,815,000 |
| Total loans | 146,020,000 | 153,300,000 | 161,336,000 | 169,161,000 |
| Allowance for loan losses | 1,770,000 | 1,866,000 | 1,971,000 | 2,198,000 |
| Securities available for sale | 35,437,000 | 32,539,000 | 32,934,000 | 30,603,000 |
| Securities held to maturity | 2,542,000 | 2,520,000 | 2,491,000 | 3,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,019,000 | 186,999,000 | 189,284,000 | 198,977,000 |
| Interest-bearing deposits | 155,812,000 | 162,517,000 | 166,222,000 | 174,110,000 |
| Noninterest-bearing deposits | 29,207,000 | 24,482,000 | 23,062,000 | 24,867,000 |
| Equity capital | 23,741,000 | 23,495,000 | 23,780,000 | 23,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,281,000 | 6,678,000 | 10,192,000 | 13,566,000 |
| Interest expense | 1,603,000 | 3,403,000 | 5,318,000 | 7,297,000 |
| Net interest income | 1,678,000 | 3,275,000 | 4,874,000 | 6,269,000 |
| Noninterest income | 299,000 | 627,000 | 895,000 | 1,186,000 |
| Noninterest expense | 1,822,000 | 3,693,000 | 5,404,000 | 7,435,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 1,000,000 |
| Pretax income | 50,000 | -1,000 | 50,000 | -980,000 |
| Income tax | -11,000 | -61,000 | -73,000 | -537,000 |
| Net income | 61,000 | 60,000 | 123,000 | -443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,433,000 | 23,418,000 | 23,482,000 | 22,898,000 |
| Total capital | 25,203,000 | 25,284,000 | 25,453,000 | 25,096,000 |
| Risk-weighted assets | 183,769,000 | 188,560,000 | 197,009,000 | 205,955,000 |