Call reports 2005
PINNACLE BANK, INC — 2005
What PINNACLE BANK, INC reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,201,000 | 29,885,000 | 29,625,000 | 29,440,000 |
| Total loans | 18,495,000 | 18,699,000 | 18,295,000 | 17,486,000 |
| Allowance for loan losses | 234,000 | 246,000 | 263,000 | 248,000 |
| Securities available for sale | 4,157,000 | 4,340,000 | 4,293,000 | 3,827,000 |
| Securities held to maturity | 4,239,000 | 4,812,000 | 4,767,000 | 5,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,149,000 | 26,905,000 | 26,518,000 | 26,542,000 |
| Interest-bearing deposits | 20,644,000 | 20,220,000 | 20,060,000 | 19,277,000 |
| Noninterest-bearing deposits | 6,505,000 | 6,685,000 | 6,458,000 | 7,265,000 |
| Equity capital | 2,851,000 | 2,796,000 | 2,881,000 | 2,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 981,000 | 1,496,000 | 2,008,000 |
| Interest expense | 97,000 | 198,000 | 309,000 | 426,000 |
| Net interest income | 387,000 | 783,000 | 1,187,000 | 1,582,000 |
| Noninterest income | 35,000 | 79,000 | 117,000 | 151,000 |
| Noninterest expense | 246,000 | 521,000 | 768,000 | 1,022,000 |
| Provision for loan losses | 24,000 | 48,000 | 92,000 | 126,000 |
| Pretax income | 154,000 | 299,000 | 450,000 | 591,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 157,000 |
| Net income | 116,000 | 224,000 | 337,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,885,000 | 2,790,000 | 2,905,000 | 2,801,000 |
| Total capital | 3,119,000 | 3,036,000 | 3,157,000 | 3,043,000 |
| Risk-weighted assets | 20,403,000 | 20,623,000 | 20,165,000 | 19,367,000 |