Call reports 2008
PINNACLE BANK SIOUX CITY — 2008
What PINNACLE BANK SIOUX CITY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,929,000 | 43,410,000 | 43,664,000 | 47,189,000 |
| Total loans | 34,695,000 | 33,988,000 | 34,590,000 | 35,778,000 |
| Allowance for loan losses | 560,000 | 549,000 | 556,000 | 551,000 |
| Securities available for sale | 7,422,000 | 8,330,000 | 8,251,000 | 7,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,911,000 | 37,893,000 | 36,068,000 | 41,832,000 |
| Interest-bearing deposits | 34,651,000 | 31,333,000 | 29,240,000 | 34,549,000 |
| Noninterest-bearing deposits | 7,260,000 | 6,560,000 | 6,828,000 | 7,283,000 |
| Equity capital | 4,799,000 | 4,909,000 | 4,913,000 | 5,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,443,000 | 2,146,000 | 2,829,000 |
| Interest expense | 302,000 | 552,000 | 752,000 | 949,000 |
| Net interest income | 443,000 | 891,000 | 1,394,000 | 1,880,000 |
| Noninterest income | 42,000 | 87,000 | 125,000 | 189,000 |
| Noninterest expense | 279,000 | 558,000 | 841,000 | 1,164,000 |
| Provision for loan losses | 15,000 | 23,000 | 30,000 | 38,000 |
| Pretax income | 234,000 | 440,000 | 691,000 | 910,000 |
| Income tax | 12,000 | 28,000 | 41,000 | 60,000 |
| Net income | 222,000 | 412,000 | 650,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,722,000 | 4,913,000 | 4,900,000 | 5,103,000 |
| Total capital | 5,107,000 | 5,283,000 | 5,282,000 | 5,502,000 |
| Risk-weighted assets | 30,602,000 | 29,442,000 | 30,390,000 | 31,797,000 |