Call reports 2004
PINNACLE BANK — 2004
What PINNACLE BANK 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 | 136,413,000 | 147,941,000 | 145,398,000 | 142,519,000 |
| Total loans | 94,181,000 | 96,684,000 | 97,284,000 | 97,488,000 |
| Allowance for loan losses | 1,665,000 | 1,748,000 | 1,787,000 | 1,758,000 |
| Securities available for sale | 15,715,000 | 30,645,000 | 28,354,000 | 25,413,000 |
| Securities held to maturity | 620,000 | 616,000 | 612,000 | 608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,535,000 | 127,697,000 | 124,118,000 | 121,128,000 |
| Interest-bearing deposits | 90,895,000 | 99,451,000 | 117,256,000 | 114,083,000 |
| Noninterest-bearing deposits | 25,640,000 | 28,246,000 | 6,862,000 | 7,045,000 |
| Equity capital | 19,316,000 | 18,596,000 | 19,508,000 | 18,986,000 |
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 | 1,855,000 | 3,780,000 | 5,867,000 | 8,002,000 |
| Interest expense | 378,000 | 898,000 | 1,337,000 | 1,738,000 |
| Net interest income | 1,477,000 | 2,882,000 | 4,530,000 | 6,264,000 |
| Noninterest income | 486,000 | 1,027,000 | 1,579,000 | 2,100,000 |
| Noninterest expense | 1,330,000 | 2,685,000 | 4,123,000 | 5,457,000 |
| Provision for loan losses | 150,000 | 300,000 | 350,000 | 361,000 |
| Pretax income | 487,000 | 930,000 | 1,642,000 | 2,552,000 |
| Income tax | 165,000 | 336,000 | 576,000 | 901,000 |
| Net income | 322,000 | 594,000 | 1,066,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,891,000 | 10,609,000 | 11,334,000 | 10,957,000 |
| Total capital | 11,972,000 | 11,721,000 | 12,536,000 | 12,163,000 |
| Risk-weighted assets | 85,894,000 | 87,935,000 | 95,876,000 | 95,916,000 |
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