Call reports 2009
PINNACLE BANK OF SOUTH CAROLINA — 2009
What PINNACLE BANK OF SOUTH CAROLINA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,475,000 | 112,147,000 | 119,708,000 | 122,109,000 |
| Total loans | 95,507,000 | 99,775,000 | 99,094,000 | 99,434,000 |
| Allowance for loan losses | 1,335,000 | 1,455,000 | 1,575,000 | 1,491,000 |
| Securities available for sale | 10,416,000 | 8,960,000 | 10,059,000 | 10,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,087,000 | 87,809,000 | 89,811,000 | 90,308,000 |
| Interest-bearing deposits | 80,662,000 | 81,276,000 | 83,522,000 | 82,960,000 |
| Noninterest-bearing deposits | 5,425,000 | 6,533,000 | 6,289,000 | 7,348,000 |
| Equity capital | 15,306,000 | 15,472,000 | 16,001,000 | 15,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,296,000 | 4,930,000 | 6,545,000 |
| Interest expense | 553,000 | 1,065,000 | 1,534,000 | 1,969,000 |
| Net interest income | 1,053,000 | 2,231,000 | 3,396,000 | 4,576,000 |
| Noninterest income | 128,000 | 279,000 | 394,000 | 567,000 |
| Noninterest expense | 911,000 | 1,944,000 | 2,913,000 | 3,843,000 |
| Provision for loan losses | 175,000 | 295,000 | 415,000 | 855,000 |
| Pretax income | 95,000 | 271,000 | 462,000 | 532,000 |
| Income tax | 2,000 | 7,000 | 11,000 | 11,000 |
| Net income | 93,000 | 264,000 | 451,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,772,000 | 15,944,000 | 16,131,000 | 16,201,000 |
| Total capital | 16,940,000 | 17,104,000 | 17,357,000 | 17,443,000 |
| Risk-weighted assets | 93,748,000 | 96,749,000 | 97,710,000 | 99,140,000 |