Call reports 2012
PINNACLE BANK OF SOUTH CAROLINA — 2012
What PINNACLE BANK OF SOUTH CAROLINA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 136,991,000 | 138,303,000 | 148,687,000 | 151,069,000 |
| Total loans | 97,971,000 | 104,724,000 | 108,810,000 | 106,882,000 |
| Allowance for loan losses | 1,957,000 | 1,947,000 | 2,090,000 | 1,961,000 |
| Securities available for sale | 19,348,000 | 17,929,000 | 17,429,000 | 18,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,084,000 | 105,741,000 | 118,622,000 | 119,563,000 |
| Interest-bearing deposits | 94,442,000 | 92,551,000 | 102,530,000 | 104,301,000 |
| Noninterest-bearing deposits | 14,642,000 | 13,190,000 | 16,092,000 | 15,262,000 |
| Equity capital | 17,552,000 | 17,940,000 | 18,606,000 | 18,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,925,000 | 4,499,000 | 6,018,000 |
| Interest expense | 166,000 | 317,000 | 462,000 | 587,000 |
| Net interest income | 1,275,000 | 2,608,000 | 4,037,000 | 5,431,000 |
| Noninterest income | 389,000 | 771,000 | 1,131,000 | 1,513,000 |
| Noninterest expense | 1,177,000 | 2,410,000 | 3,636,000 | 4,940,000 |
| Provision for loan losses | 165,000 | 350,000 | 490,000 | 640,000 |
| Pretax income | 314,000 | 542,000 | 953,000 | 1,258,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 25,000 |
| Net income | 308,000 | 530,000 | 935,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,381,000 | 17,603,000 | 18,009,000 | 18,307,000 |
| Total capital | 18,701,000 | 18,942,000 | 19,398,000 | 19,642,000 |
| Risk-weighted assets | 104,971,000 | 106,502,000 | 110,443,000 | 106,156,000 |