Call reports 2012
PILOT BANK — 2012
What PILOT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 220,805,000 | 217,012,000 | 211,800,000 | 206,135,000 |
| Total loans | 150,265,000 | 130,951,000 | 120,532,000 | 124,153,000 |
| Allowance for loan losses | 3,688,000 | 3,614,000 | 3,250,000 | 2,810,000 |
| Securities available for sale | 24,989,000 | 29,203,000 | 28,444,000 | 24,523,000 |
| Securities held to maturity | 1,247,000 | 1,246,000 | 749,000 | 749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,482,000 | 187,557,000 | 185,229,000 | 180,906,000 |
| Interest-bearing deposits | 167,087,000 | 164,734,000 | 161,690,000 | 155,646,000 |
| Noninterest-bearing deposits | 23,395,000 | 22,823,000 | 23,539,000 | 25,260,000 |
| Equity capital | 19,665,000 | 19,082,000 | 18,589,000 | 17,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,328,000 | 6,107,000 | 7,810,000 |
| Interest expense | 537,000 | 1,063,000 | 1,562,000 | 2,018,000 |
| Net interest income | 1,655,000 | 3,265,000 | 4,545,000 | 5,792,000 |
| Noninterest income | 2,257,000 | 2,359,000 | 2,517,000 | 2,690,000 |
| Noninterest expense | 2,268,000 | 4,490,000 | 6,823,000 | 9,084,000 |
| Provision for loan losses | 375,000 | 871,000 | 871,000 | 1,046,000 |
| Pretax income | 1,344,000 | 338,000 | -455,000 | -1,458,000 |
| Income tax | 496,000 | 86,000 | -232,000 | -627,000 |
| Net income | 848,000 | 252,000 | -223,000 | -831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,296,000 | 14,075,000 | 13,289,000 | 12,240,000 |
| Total capital | 17,511,000 | 16,004,000 | 15,110,000 | 14,104,000 |
| Risk-weighted assets | 175,758,000 | 152,656,000 | 144,273,000 | 145,032,000 |