Call reports 2011
PILOT BANK — 2011
What PILOT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 223,140,000 | 215,530,000 | 216,131,000 | 219,046,000 |
| Total loans | 158,514,000 | 150,244,000 | 147,146,000 | 148,765,000 |
| Allowance for loan losses | 4,758,000 | 4,378,000 | 4,059,000 | 3,595,000 |
| Securities available for sale | 21,157,000 | 20,177,000 | 24,563,000 | 31,842,000 |
| Securities held to maturity | 2,374,000 | 2,372,000 | 1,347,000 | 1,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,878,000 | 190,577,000 | 191,203,000 | 190,267,000 |
| Interest-bearing deposits | 176,067,000 | 170,392,000 | 170,677,000 | 167,506,000 |
| Noninterest-bearing deposits | 20,811,000 | 20,185,000 | 20,526,000 | 22,761,000 |
| Equity capital | 20,884,000 | 19,495,000 | 19,590,000 | 19,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,002,000 | 7,474,000 | 9,742,000 |
| Interest expense | 667,000 | 1,315,000 | 1,951,000 | 2,547,000 |
| Net interest income | 1,964,000 | 3,687,000 | 5,523,000 | 7,195,000 |
| Noninterest income | -25,000 | -285,000 | 153,000 | 758,000 |
| Noninterest expense | 1,884,000 | 3,837,000 | 5,792,000 | 8,137,000 |
| Provision for loan losses | 300,000 | 2,450,000 | 2,798,000 | 3,769,000 |
| Pretax income | -245,000 | -2,885,000 | -2,819,000 | -4,041,000 |
| Income tax | -94,000 | -1,154,000 | -1,151,000 | -1,644,000 |
| Net income | -151,000 | -1,731,000 | -1,668,000 | -2,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,994,000 | 16,991,000 | 16,916,000 | 16,317,000 |
| Total capital | 21,245,000 | 19,181,000 | 19,096,000 | 18,563,000 |
| Risk-weighted assets | 177,572,000 | 173,022,000 | 172,502,000 | 178,317,000 |