Call reports 2008
PINNACLE BANK — 2008
What PINNACLE BANK 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 | 229,032,000 | 233,892,000 | 231,640,000 | 231,651,000 |
| Total loans | 139,611,000 | 132,649,000 | 134,144,000 | 151,320,000 |
| Allowance for loan losses | 1,895,000 | 1,938,000 | 1,996,000 | 2,041,000 |
| Securities available for sale | 64,875,000 | 68,539,000 | 73,272,000 | 59,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,545,000 | 207,222,000 | 204,809,000 | 202,544,000 |
| Interest-bearing deposits | 191,639,000 | 195,915,000 | 194,300,000 | 186,970,000 |
| Noninterest-bearing deposits | 9,906,000 | 11,307,000 | 10,509,000 | 15,574,000 |
| Equity capital | 26,425,000 | 25,585,000 | 25,550,000 | 26,173,000 |
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 | 3,689,000 | 7,294,000 | 10,793,000 | 14,330,000 |
| Interest expense | 1,265,000 | 2,342,000 | 3,344,000 | 4,280,000 |
| Net interest income | 2,424,000 | 4,952,000 | 7,449,000 | 10,050,000 |
| Noninterest income | 739,000 | 1,525,000 | 2,334,000 | 3,076,000 |
| Noninterest expense | 1,899,000 | 3,954,000 | 6,106,000 | 8,158,000 |
| Provision for loan losses | 72,000 | 160,000 | 234,000 | 305,000 |
| Pretax income | 1,219,000 | 2,400,000 | 3,486,000 | 4,729,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 20,000 |
| Net income | 1,213,000 | 2,388,000 | 3,468,000 | 4,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,858,000 | 17,807,000 | 17,918,000 | 17,682,000 |
| Total capital | 19,735,000 | 19,631,000 | 19,733,000 | 19,712,000 |
| Risk-weighted assets | 150,150,000 | 145,825,000 | 145,051,000 | 162,393,000 |