Call reports 2015
PILOT BANK — 2015
What PILOT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 226,641,000 | 232,498,000 | 226,830,000 | 230,247,000 |
| Total loans | 154,027,000 | 159,712,000 | 159,633,000 | 159,243,000 |
| Allowance for loan losses | 1,686,000 | 1,693,000 | 1,602,000 | 1,621,000 |
| Securities available for sale | 30,338,000 | 27,664,000 | 29,999,000 | 29,328,000 |
| Securities held to maturity | 597,000 | 597,000 | 597,000 | 365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,331,000 | 196,353,000 | 189,602,000 | 189,857,000 |
| Interest-bearing deposits | 157,632,000 | 162,966,000 | 158,496,000 | 157,473,000 |
| Noninterest-bearing deposits | 30,699,000 | 33,387,000 | 31,106,000 | 32,384,000 |
| Equity capital | 22,928,000 | 22,895,000 | 23,216,000 | 25,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,073,000 | 4,220,000 | 6,440,000 | 8,601,000 |
| Interest expense | 361,000 | 731,000 | 1,112,000 | 1,492,000 |
| Net interest income | 1,712,000 | 3,489,000 | 5,328,000 | 7,109,000 |
| Noninterest income | 226,000 | 528,000 | 659,000 | 857,000 |
| Noninterest expense | 1,787,000 | 3,530,000 | 5,312,000 | 7,058,000 |
| Provision for loan losses | 0 | 0 | 61,000 | 61,000 |
| Pretax income | 194,000 | 530,000 | 661,000 | 909,000 |
| Income tax | 46,000 | 170,000 | 204,000 | 274,000 |
| Net income | 148,000 | 360,000 | 457,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,996,000 | 17,432,000 | 17,563,000 | 19,811,000 |
| Total capital | 18,682,000 | 19,125,000 | 19,165,000 | 21,432,000 |
| Risk-weighted assets | 170,025,000 | 175,723,000 | 173,944,000 | 176,348,000 |