Call reports 2016
PILOT BANK — 2016
What PILOT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 230,434,000 | 243,726,000 | 237,697,000 | 247,968,000 |
| Total loans | 159,354,000 | 166,529,000 | 170,668,000 | 183,961,000 |
| Allowance for loan losses | 1,651,000 | 1,648,000 | 1,648,000 | 1,449,000 |
| Securities available for sale | 33,643,000 | 31,616,000 | 30,140,000 | 28,207,000 |
| Securities held to maturity | 363,000 | 362,000 | 360,000 | 357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,181,000 | 197,291,000 | 193,864,000 | 197,504,000 |
| Interest-bearing deposits | 153,670,000 | 157,320,000 | 158,882,000 | 161,097,000 |
| Noninterest-bearing deposits | 34,511,000 | 39,971,000 | 34,982,000 | 36,407,000 |
| Equity capital | 25,670,000 | 25,914,000 | 26,665,000 | 27,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,199,000 | 4,344,000 | 6,504,000 | 8,737,000 |
| Interest expense | 369,000 | 727,000 | 1,079,000 | 1,425,000 |
| Net interest income | 1,830,000 | 3,617,000 | 5,425,000 | 7,312,000 |
| Noninterest income | 205,000 | 431,000 | 668,000 | 1,830,000 |
| Noninterest expense | 1,743,000 | 3,524,000 | 5,332,000 | 7,606,000 |
| Provision for loan losses | 0 | 0 | 0 | -293,000 |
| Pretax income | 292,000 | 524,000 | 766,000 | 1,834,000 |
| Income tax | 95,000 | 166,000 | 241,000 | 266,000 |
| Net income | 197,000 | 358,000 | 525,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,102,000 | 20,361,000 | 21,352,000 | 22,421,000 |
| Total capital | 21,753,000 | 22,009,000 | 23,000,000 | 23,870,000 |
| Risk-weighted assets | 176,420,000 | 185,439,000 | 187,002,000 | 195,487,000 |