Call reports 2010
PILOT BANK — 2010
What PILOT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 237,861,000 | 236,508,000 | 231,403,000 | 222,909,000 |
| Total loans | 172,569,000 | 171,186,000 | 169,198,000 | 164,396,000 |
| Allowance for loan losses | 4,546,000 | 4,639,000 | 4,600,000 | 4,508,000 |
| Securities available for sale | 17,240,000 | 19,351,000 | 22,941,000 | 21,736,000 |
| Securities held to maturity | 2,678,000 | 2,509,000 | 2,377,000 | 2,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,828,000 | 208,109,000 | 203,315,000 | 197,197,000 |
| Interest-bearing deposits | 188,221,000 | 189,181,000 | 184,644,000 | 179,625,000 |
| Noninterest-bearing deposits | 18,607,000 | 18,928,000 | 18,671,000 | 17,572,000 |
| Equity capital | 20,222,000 | 20,116,000 | 20,425,000 | 20,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,034,000 | 5,994,000 | 8,917,000 | 11,804,000 |
| Interest expense | 1,017,000 | 1,979,000 | 2,902,000 | 3,710,000 |
| Net interest income | 2,017,000 | 4,015,000 | 6,015,000 | 8,094,000 |
| Noninterest income | 224,000 | 345,000 | 554,000 | 747,000 |
| Noninterest expense | 1,791,000 | 3,834,000 | 5,768,000 | 7,630,000 |
| Provision for loan losses | 405,000 | 810,000 | 1,215,000 | 1,620,000 |
| Pretax income | -2,000 | -342,000 | -425,000 | -423,000 |
| Income tax | -39,000 | -206,000 | -275,000 | -310,000 |
| Net income | 37,000 | -136,000 | -150,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,423,000 | 17,248,000 | 17,646,000 | 18,510,000 |
| Total capital | 19,870,000 | 19,651,000 | 20,018,000 | 20,817,000 |
| Risk-weighted assets | 193,683,000 | 189,989,000 | 187,492,000 | 182,375,000 |