Call reports 2005
PINNACLE BANK SIOUX CITY — 2005
What PINNACLE BANK SIOUX CITY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,521,000 | 38,856,000 | 42,629,000 | 41,053,000 |
| Total loans | 24,336,000 | 27,042,000 | 27,178,000 | 28,098,000 |
| Allowance for loan losses | 324,000 | 347,000 | 368,000 | 345,000 |
| Securities available for sale | 12,032,000 | 10,727,000 | 9,487,000 | 3,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,982,000 | 33,957,000 | 39,037,000 | 37,331,000 |
| Interest-bearing deposits | 25,911,000 | 27,123,000 | 32,461,000 | 30,097,000 |
| Noninterest-bearing deposits | 6,071,000 | 6,834,000 | 6,576,000 | 7,234,000 |
| Equity capital | 3,151,000 | 3,385,000 | 3,451,000 | 3,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 1,014,000 | 1,507,000 | 2,066,000 |
| Interest expense | 119,000 | 259,000 | 420,000 | 604,000 |
| Net interest income | 348,000 | 755,000 | 1,087,000 | 1,462,000 |
| Noninterest income | 56,000 | 122,000 | 179,000 | 230,000 |
| Noninterest expense | 278,000 | 553,000 | 808,000 | 1,047,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 104,000 | 279,000 | 391,000 | 426,000 |
| Income tax | 5,000 | 14,000 | 20,000 | 28,000 |
| Net income | 99,000 | 265,000 | 371,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,303,000 | 3,469,000 | 3,575,000 | 3,602,000 |
| Total capital | 3,600,000 | 3,782,000 | 3,902,000 | 3,923,000 |
| Risk-weighted assets | 23,754,000 | 25,031,000 | 26,086,000 | 25,620,000 |