Call reports 2006
PINNACLE BANK, INC — 2006
What PINNACLE BANK, INC reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,077,000 | 29,427,000 | 28,651,000 | 28,021,000 |
| Total loans | 17,113,000 | 17,110,000 | 15,889,000 | 15,784,000 |
| Allowance for loan losses | 257,000 | 239,000 | 266,000 | 251,000 |
| Securities available for sale | 4,414,000 | 4,358,000 | 4,946,000 | 4,646,000 |
| Securities held to maturity | 5,082,000 | 4,991,000 | 5,066,000 | 5,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,083,000 | 25,921,000 | 25,571,000 | 25,041,000 |
| Interest-bearing deposits | 19,126,000 | 18,309,000 | 19,714,000 | 18,761,000 |
| Noninterest-bearing deposits | 7,957,000 | 7,612,000 | 5,857,000 | 6,280,000 |
| Equity capital | 2,840,000 | 2,943,000 | 2,893,000 | 2,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,017,000 | 1,536,000 | 2,061,000 |
| Interest expense | 117,000 | 232,000 | 365,000 | 521,000 |
| Net interest income | 382,000 | 785,000 | 1,171,000 | 1,540,000 |
| Noninterest income | 38,000 | 79,000 | 115,000 | 151,000 |
| Noninterest expense | 260,000 | 504,000 | 742,000 | 1,076,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 136,000 | 312,000 | 472,000 | 520,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 121,000 |
| Net income | 98,000 | 237,000 | 359,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,899,000 | 3,038,000 | 2,930,000 | 2,779,000 |
| Total capital | 3,144,000 | 3,277,000 | 3,170,000 | 3,020,000 |
| Risk-weighted assets | 19,568,000 | 19,837,000 | 19,141,000 | 19,273,000 |