Call reports 2013
PILOT BANK — 2013
What PILOT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 202,509,000 | 190,919,000 | 196,189,000 | 198,831,000 |
| Total loans | 118,547,000 | 124,142,000 | 127,739,000 | 134,377,000 |
| Allowance for loan losses | 2,718,000 | 2,269,000 | 2,283,000 | 2,073,000 |
| Securities available for sale | 21,792,000 | 20,547,000 | 18,875,000 | 17,859,000 |
| Securities held to maturity | 749,000 | 748,000 | 748,000 | 748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,024,000 | 164,648,000 | 165,776,000 | 167,428,000 |
| Interest-bearing deposits | 149,058,000 | 138,446,000 | 139,114,000 | 140,581,000 |
| Noninterest-bearing deposits | 28,966,000 | 26,202,000 | 26,662,000 | 26,847,000 |
| Equity capital | 17,563,000 | 20,492,000 | 20,771,000 | 20,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,331,000 | 5,035,000 | 6,795,000 |
| Interest expense | 410,000 | 783,000 | 1,144,000 | 1,493,000 |
| Net interest income | 1,314,000 | 2,548,000 | 3,891,000 | 5,302,000 |
| Noninterest income | 287,000 | 776,000 | 1,599,000 | 1,375,000 |
| Noninterest expense | 1,998,000 | 3,978,000 | 5,984,000 | 8,052,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | -405,000 | -362,000 | -202,000 | -1,083,000 |
| Income tax | -168,000 | -168,000 | -124,000 | -472,000 |
| Net income | -237,000 | -194,000 | -78,000 | -611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,829,000 | 14,995,000 | 15,078,000 | 13,990,000 |
| Total capital | 13,599,000 | 16,861,000 | 16,982,000 | 15,948,000 |
| Risk-weighted assets | 140,659,000 | 148,883,000 | 151,901,000 | 156,521,000 |