Call reports 2015
PINNACLE BANK — 2015
What PINNACLE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,985,000 | 149,766,000 | 160,589,000 | 159,426,000 |
| Total loans | 122,224,000 | 129,258,000 | 138,923,000 | 141,002,000 |
| Allowance for loan losses | 1,947,000 | 1,947,000 | 2,111,000 | 2,308,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,092,000 | 128,347,000 | 139,465,000 | 137,673,000 |
| Interest-bearing deposits | 98,133,000 | 100,614,000 | 104,194,000 | 104,008,000 |
| Noninterest-bearing deposits | 26,959,000 | 27,733,000 | 35,271,000 | 33,665,000 |
| Equity capital | 20,519,000 | 20,986,000 | 20,587,000 | 21,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,109,000 | 4,828,000 | 6,824,000 |
| Interest expense | 167,000 | 348,000 | 524,000 | 714,000 |
| Net interest income | 1,363,000 | 2,761,000 | 4,304,000 | 6,110,000 |
| Noninterest income | 687,000 | 1,519,000 | 2,159,000 | 3,019,000 |
| Noninterest expense | 1,461,000 | 3,038,000 | 4,654,000 | 6,506,000 |
| Provision for loan losses | 180,000 | 180,000 | 231,000 | 428,000 |
| Pretax income | 409,000 | 1,062,000 | 1,578,000 | 2,195,000 |
| Income tax | 162,000 | 418,000 | 622,000 | 859,000 |
| Net income | 247,000 | 644,000 | 956,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,428,000 | 20,893,000 | 20,498,000 | 20,900,000 |
| Total capital | 22,014,000 | 22,591,000 | 22,306,000 | 22,734,000 |
| Risk-weighted assets | 126,541,000 | 135,555,000 | 144,313,000 | 146,242,000 |