Call reports 2016
PINNACLE BANK — 2016
What PINNACLE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 174,017,000 | 180,373,000 | 185,644,000 | 194,211,000 |
| Total loans | 144,061,000 | 146,450,000 | 150,078,000 | 146,526,000 |
| Allowance for loan losses | 2,477,000 | 2,165,000 | 2,170,000 | 2,182,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,376,000 | 157,876,000 | 162,586,000 | 169,957,000 |
| Interest-bearing deposits | 113,563,000 | 124,263,000 | 128,851,000 | 137,164,000 |
| Noninterest-bearing deposits | 38,813,000 | 33,613,000 | 33,735,000 | 32,793,000 |
| Equity capital | 21,288,000 | 21,894,000 | 22,261,000 | 23,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,871,000 | 3,746,000 | 5,655,000 | 7,649,000 |
| Interest expense | 191,000 | 450,000 | 728,000 | 1,022,000 |
| Net interest income | 1,680,000 | 3,296,000 | 4,927,000 | 6,627,000 |
| Noninterest income | 613,000 | 1,838,000 | 2,412,000 | 3,966,000 |
| Noninterest expense | 1,578,000 | 3,227,000 | 4,844,000 | 6,648,000 |
| Provision for loan losses | 270,000 | 483,000 | 483,000 | 554,000 |
| Pretax income | 445,000 | 1,424,000 | 2,012,000 | 3,391,000 |
| Income tax | 176,000 | 557,000 | 788,000 | 1,324,000 |
| Net income | 269,000 | 867,000 | 1,224,000 | 2,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,119,000 | 21,729,000 | 22,104,000 | 22,925,000 |
| Total capital | 22,892,000 | 23,529,000 | 23,946,000 | 24,723,000 |
| Risk-weighted assets | 141,150,000 | 143,611,000 | 146,986,000 | 143,385,000 |