Call reports 2014
PINNACLE BANK OF SOUTH CAROLINA — 2014
What PINNACLE BANK OF SOUTH CAROLINA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,189,000 | 160,456,000 | 151,410,000 | 154,241,000 |
| Total loans | 115,507,000 | 121,167,000 | 121,747,000 | 123,818,000 |
| Allowance for loan losses | 2,004,000 | 2,005,000 | 1,926,000 | 1,882,000 |
| Securities available for sale | 16,493,000 | 16,217,000 | 15,330,000 | 14,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,269,000 | 127,219,000 | 118,429,000 | 123,043,000 |
| Interest-bearing deposits | 100,147,000 | 103,798,000 | 92,759,000 | 96,650,000 |
| Noninterest-bearing deposits | 22,122,000 | 23,421,000 | 25,670,000 | 26,393,000 |
| Equity capital | 19,037,000 | 19,523,000 | 19,904,000 | 20,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,958,000 | 4,524,000 | 6,141,000 |
| Interest expense | 90,000 | 186,000 | 280,000 | 372,000 |
| Net interest income | 1,351,000 | 2,772,000 | 4,244,000 | 5,769,000 |
| Noninterest income | 253,000 | 531,000 | 880,000 | 1,222,000 |
| Noninterest expense | 1,281,000 | 2,577,000 | 3,919,000 | 5,249,000 |
| Provision for loan losses | 75,000 | 75,000 | 150,000 | 200,000 |
| Pretax income | 248,000 | 651,000 | 1,055,000 | 1,542,000 |
| Income tax | 13,000 | 30,000 | 51,000 | 70,000 |
| Net income | 235,000 | 621,000 | 1,004,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,793,000 | 19,180,000 | 19,564,000 | 19,682,000 |
| Total capital | 20,253,000 | 20,708,000 | 21,088,000 | 21,242,000 |
| Risk-weighted assets | 116,305,000 | 121,740,000 | 121,477,000 | 124,513,000 |