Call reports 2009
PILOT BANK — 2009
What PILOT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,870,000 | 253,776,000 | 238,610,000 | 236,071,000 |
| Total loans | 194,189,000 | 189,214,000 | 183,909,000 | 178,846,000 |
| Allowance for loan losses | 4,847,000 | 4,646,000 | 6,684,000 | 4,867,000 |
| Securities available for sale | 26,868,000 | 17,269,000 | 17,652,000 | 17,450,000 |
| Securities held to maturity | 3,316,000 | 3,273,000 | 2,738,000 | 2,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,742,000 | 219,726,000 | 205,280,000 | 205,162,000 |
| Interest-bearing deposits | 200,884,000 | 197,408,000 | 186,544,000 | 186,688,000 |
| Noninterest-bearing deposits | 24,858,000 | 22,318,000 | 18,736,000 | 18,474,000 |
| Equity capital | 20,481,000 | 21,387,000 | 20,093,000 | 20,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,348,000 | 6,693,000 | 9,933,000 | 13,131,000 |
| Interest expense | 1,640,000 | 3,219,000 | 4,582,000 | 5,768,000 |
| Net interest income | 1,708,000 | 3,474,000 | 5,351,000 | 7,363,000 |
| Noninterest income | 328,000 | 584,000 | 893,000 | 1,153,000 |
| Noninterest expense | 1,908,000 | 4,052,000 | 6,325,000 | 8,216,000 |
| Provision for loan losses | 2,100,000 | 3,250,000 | 5,600,000 | 5,900,000 |
| Pretax income | -2,226,000 | -3,097,000 | -5,534,000 | -5,497,000 |
| Income tax | -878,000 | -1,247,000 | -2,204,000 | -2,230,000 |
| Net income | -1,348,000 | -1,850,000 | -3,330,000 | -3,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,921,000 | 20,685,000 | 19,580,000 | 17,255,000 |
| Total capital | 22,686,000 | 23,437,000 | 22,246,000 | 19,744,000 |
| Risk-weighted assets | 219,130,000 | 218,271,000 | 209,270,000 | 196,716,000 |