Call reports 2014
PILOT BANK — 2014
What PILOT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 213,589,000 | 216,069,000 | 220,649,000 | 219,996,000 |
| Total loans | 139,564,000 | 142,061,000 | 145,587,000 | 147,669,000 |
| Allowance for loan losses | 2,067,000 | 2,055,000 | 1,564,000 | 1,662,000 |
| Securities available for sale | 27,146,000 | 31,896,000 | 32,056,000 | 31,361,000 |
| Securities held to maturity | 747,000 | 597,000 | 597,000 | 597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,919,000 | 183,618,000 | 188,486,000 | 184,101,000 |
| Interest-bearing deposits | 152,647,000 | 154,455,000 | 157,066,000 | 156,001,000 |
| Noninterest-bearing deposits | 28,272,000 | 29,163,000 | 31,420,000 | 28,100,000 |
| Equity capital | 20,444,000 | 20,343,000 | 19,980,000 | 21,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,631,000 | 5,604,000 | 7,626,000 |
| Interest expense | 345,000 | 708,000 | 1,089,000 | 1,454,000 |
| Net interest income | 1,468,000 | 2,923,000 | 4,515,000 | 6,172,000 |
| Noninterest income | 368,000 | 603,000 | 853,000 | 1,128,000 |
| Noninterest expense | 1,976,000 | 4,037,000 | 6,186,000 | 8,221,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 250,000 |
| Pretax income | -140,000 | -511,000 | -1,068,000 | -856,000 |
| Income tax | -68,000 | -223,000 | -447,000 | -383,000 |
| Net income | -72,000 | -288,000 | -621,000 | -473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,260,000 | 14,123,000 | 13,591,000 | 14,862,000 |
| Total capital | 16,256,000 | 16,138,000 | 15,155,000 | 16,524,000 |
| Risk-weighted assets | 159,634,000 | 161,290,000 | 162,924,000 | 163,950,000 |