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 | 82,581,000 | 103,686,000 | 113,621,000 | 130,980,000 |
| Total loans | 67,266,000 | 88,277,000 | 92,442,000 | 114,413,000 |
| Allowance for loan losses | 841,000 | 1,214,000 | 1,380,000 | 2,083,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,730,000 | 78,691,000 | 92,035,000 | 110,529,000 |
| Interest-bearing deposits | 49,622,000 | 67,916,000 | 78,905,000 | 96,845,000 |
| Noninterest-bearing deposits | 10,107,000 | 10,775,000 | 13,130,000 | 13,684,000 |
| Equity capital | 22,298,000 | 21,414,000 | 20,941,000 | 19,800,000 |
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 | 1,121,000 | 2,354,000 | 3,843,000 | 5,379,000 |
| Interest expense | 413,000 | 926,000 | 1,497,000 | 2,167,000 |
| Net interest income | 708,000 | 1,428,000 | 2,346,000 | 3,212,000 |
| Noninterest income | 10,000 | 22,000 | 85,000 | 97,000 |
| Noninterest expense | 1,640,000 | 3,018,000 | 4,441,000 | 5,886,000 |
| Provision for loan losses | 120,000 | 493,000 | 659,000 | 1,362,000 |
| Pretax income | -1,042,000 | -2,061,000 | -2,669,000 | -3,939,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -1,043,000 | -2,062,000 | -2,670,000 | -3,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,298,000 | 21,414,000 | 20,941,000 | 19,800,000 |
| Total capital | 23,139,000 | 22,628,000 | 22,287,000 | 21,430,000 |
| Risk-weighted assets | 78,572,000 | 103,221,000 | 107,650,000 | 129,968,000 |
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