Call reports 2005
PINNACLE BANK — 2005
What PINNACLE BANK 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 | 142,316,000 | 143,148,000 | 152,406,000 | 160,332,000 |
| Total loans | 99,155,000 | 98,983,000 | 101,825,000 | 105,425,000 |
| Allowance for loan losses | 1,757,000 | 1,772,000 | 1,793,000 | 1,810,000 |
| Securities available for sale | 21,842,000 | 20,451,000 | 22,763,000 | 30,457,000 |
| Securities held to maturity | 605,000 | 601,000 | 97,000 | 93,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,379,000 | 123,805,000 | 132,258,000 | 139,756,000 |
| Interest-bearing deposits | 113,573,000 | 116,297,000 | 124,738,000 | 133,377,000 |
| Noninterest-bearing deposits | 8,806,000 | 7,508,000 | 7,520,000 | 6,379,000 |
| Equity capital | 19,358,000 | 18,727,000 | 19,201,000 | 19,852,000 |
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 | 2,083,000 | 4,245,000 | 6,551,000 | 9,080,000 |
| Interest expense | 417,000 | 908,000 | 1,493,000 | 2,202,000 |
| Net interest income | 1,666,000 | 3,337,000 | 5,058,000 | 6,878,000 |
| Noninterest income | 554,000 | 1,253,000 | 1,855,000 | 2,435,000 |
| Noninterest expense | 1,390,000 | 2,948,000 | 4,371,000 | 5,867,000 |
| Provision for loan losses | 30,000 | 74,000 | 136,000 | 204,000 |
| Pretax income | 800,000 | 1,568,000 | 2,406,000 | 3,242,000 |
| Income tax | 278,000 | 525,000 | 808,000 | 841,000 |
| Net income | 522,000 | 1,043,000 | 1,598,000 | 2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,537,000 | 10,842,000 | 11,451,000 | 12,303,000 |
| Total capital | 12,739,000 | 12,067,000 | 12,703,000 | 13,599,000 |
| Risk-weighted assets | 95,641,000 | 97,415,000 | 99,599,000 | 103,197,000 |