Call reports 2004
PINNACLE BANK, INC — 2004
What PINNACLE BANK, INC reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,572,000 | 29,471,000 | 30,019,000 | 30,898,000 |
| Total loans | 17,595,000 | 17,138,000 | 17,823,000 | 18,704,000 |
| Allowance for loan losses | 213,000 | 221,000 | 222,000 | 222,000 |
| Securities available for sale | 4,310,000 | 5,040,000 | 5,119,000 | 5,112,000 |
| Securities held to maturity | 4,208,000 | 5,011,000 | 4,485,000 | 4,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,538,000 | 26,629,000 | 26,959,000 | 27,924,000 |
| Interest-bearing deposits | 21,425,000 | 20,282,000 | 20,898,000 | 20,713,000 |
| Noninterest-bearing deposits | 6,113,000 | 6,347,000 | 6,061,000 | 7,211,000 |
| Equity capital | 2,863,000 | 2,699,000 | 2,911,000 | 2,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 447,000 | 915,000 | 1,423,000 | 1,937,000 |
| Interest expense | 83,000 | 165,000 | 248,000 | 339,000 |
| Net interest income | 364,000 | 750,000 | 1,175,000 | 1,598,000 |
| Noninterest income | 29,000 | 68,000 | 104,000 | 146,000 |
| Noninterest expense | 256,000 | 495,000 | 734,000 | 1,016,000 |
| Provision for loan losses | 24,000 | 43,000 | 67,000 | 78,000 |
| Pretax income | 113,000 | 280,000 | 478,000 | 690,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 183,000 |
| Net income | 75,000 | 205,000 | 365,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,774,000 | 2,694,000 | 2,863,000 | 2,767,000 |
| Total capital | 2,987,000 | 2,915,000 | 3,085,000 | 2,989,000 |
| Risk-weighted assets | 20,132,000 | 20,118,000 | 20,231,000 | 20,774,000 |