Call reports 2013
PINNACLE BANK — 2013
What PINNACLE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 96,127,000 | 102,646,000 | 113,338,000 | 108,501,000 |
| Total loans | 78,379,000 | 82,856,000 | 90,278,000 | 88,606,000 |
| Allowance for loan losses | 1,505,000 | 1,392,000 | 1,432,000 | 1,404,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,760,000 | 84,943,000 | 95,175,000 | 89,644,000 |
| Interest-bearing deposits | 67,181,000 | 71,349,000 | 79,461,000 | 76,697,000 |
| Noninterest-bearing deposits | 11,579,000 | 13,594,000 | 15,713,000 | 12,948,000 |
| Equity capital | 17,231,000 | 17,475,000 | 17,737,000 | 18,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,923,000 | 3,041,000 | 4,197,000 |
| Interest expense | 113,000 | 231,000 | 355,000 | 479,000 |
| Net interest income | 811,000 | 1,692,000 | 2,686,000 | 3,718,000 |
| Noninterest income | 708,000 | 1,267,000 | 1,945,000 | 2,979,000 |
| Noninterest expense | 1,027,000 | 2,114,000 | 3,365,000 | 4,473,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 492,000 | 845,000 | 1,226,000 | 2,184,000 |
| Income tax | 170,000 | 323,000 | 486,000 | 862,000 |
| Net income | 322,000 | 522,000 | 740,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,799,000 | 17,238,000 | 17,662,000 | 18,363,000 |
| Total capital | 17,728,000 | 18,256,000 | 18,748,000 | 19,398,000 |
| Risk-weighted assets | 73,770,000 | 81,042,000 | 86,535,000 | 82,419,000 |