Call reports 2004
PINNACLE BANK SIOUX CITY — 2004
What PINNACLE BANK SIOUX CITY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,117,000 | 35,061,000 | 35,725,000 | 36,433,000 |
| Total loans | 16,694,000 | 19,516,000 | 20,463,000 | 22,077,000 |
| Allowance for loan losses | 294,000 | 294,000 | 294,000 | 302,000 |
| Securities available for sale | 13,117,000 | 14,040,000 | 13,884,000 | 13,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,571,000 | 31,589,000 | 31,733,000 | 31,832,000 |
| Interest-bearing deposits | 24,760,000 | 26,192,000 | 25,814,000 | 26,250,000 |
| Noninterest-bearing deposits | 5,811,000 | 5,397,000 | 5,919,000 | 5,582,000 |
| Equity capital | 3,448,000 | 2,917,000 | 3,146,000 | 3,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 776,000 | 1,209,000 | 1,655,000 |
| Interest expense | 96,000 | 192,000 | 291,000 | 394,000 |
| Net interest income | 291,000 | 584,000 | 918,000 | 1,261,000 |
| Noninterest income | 58,000 | 120,000 | 168,000 | 222,000 |
| Noninterest expense | 251,000 | 532,000 | 783,000 | 1,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | 98,000 | 173,000 | 304,000 | 407,000 |
| Income tax | 5,000 | 9,000 | 15,000 | 20,000 |
| Net income | 93,000 | 164,000 | 289,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,235,000 | 2,981,000 | 3,106,000 | 3,204,000 |
| Total capital | 3,508,000 | 3,261,000 | 3,359,000 | 3,479,000 |
| Risk-weighted assets | 21,801,000 | 22,367,000 | 20,224,000 | 21,978,000 |
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