Call reports 2013
PINNACLE BANK OF SOUTH CAROLINA — 2013
What PINNACLE BANK OF SOUTH CAROLINA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 145,656,000 | 140,575,000 | 149,235,000 | 144,727,000 |
| Total loans | 106,984,000 | 110,324,000 | 112,628,000 | 112,104,000 |
| Allowance for loan losses | 2,052,000 | 2,150,000 | 2,165,000 | 1,988,000 |
| Securities available for sale | 19,539,000 | 18,219,000 | 18,175,000 | 16,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,649,000 | 108,372,000 | 116,867,000 | 116,207,000 |
| Interest-bearing deposits | 99,960,000 | 91,310,000 | 97,531,000 | 96,523,000 |
| Noninterest-bearing deposits | 14,689,000 | 17,062,000 | 19,336,000 | 19,684,000 |
| Equity capital | 18,707,000 | 18,768,000 | 19,095,000 | 19,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,917,000 | 4,424,000 | 5,892,000 |
| Interest expense | 107,000 | 208,000 | 305,000 | 399,000 |
| Net interest income | 1,322,000 | 2,709,000 | 4,119,000 | 5,493,000 |
| Noninterest income | 292,000 | 689,000 | 1,002,000 | 1,126,000 |
| Noninterest expense | 1,265,000 | 2,603,000 | 3,906,000 | 5,113,000 |
| Provision for loan losses | 100,000 | 200,000 | 220,000 | 220,000 |
| Pretax income | 246,000 | 588,000 | 985,000 | 1,253,000 |
| Income tax | 13,000 | 43,000 | 80,000 | 93,000 |
| Net income | 233,000 | 545,000 | 905,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,208,000 | 18,520,000 | 18,879,000 | 19,134,000 |
| Total capital | 19,561,000 | 19,913,000 | 20,290,000 | 20,533,000 |
| Risk-weighted assets | 107,568,000 | 110,669,000 | 112,095,000 | 111,355,000 |