Call reports 2007
PINNACLE BANK, INC — 2007
What PINNACLE BANK, INC reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,556,000 | 27,018,000 | 26,635,000 | 26,510,000 |
| Total loans | 15,634,000 | 15,800,000 | 14,890,000 | 14,167,000 |
| Allowance for loan losses | 276,000 | 294,000 | 312,000 | 250,000 |
| Securities available for sale | 4,357,000 | 4,316,000 | 4,070,000 | 3,297,000 |
| Securities held to maturity | 5,436,000 | 4,985,000 | 4,985,000 | 4,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,556,000 | 23,997,000 | 23,665,000 | 23,458,000 |
| Interest-bearing deposits | 19,541,000 | 18,272,000 | 18,636,000 | 18,433,000 |
| Noninterest-bearing deposits | 6,015,000 | 5,725,000 | 5,029,000 | 5,025,000 |
| Equity capital | 2,752,000 | 2,773,000 | 2,740,000 | 2,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,040,000 | 1,523,000 | 1,971,000 |
| Interest expense | 189,000 | 359,000 | 532,000 | 706,000 |
| Net interest income | 319,000 | 681,000 | 991,000 | 1,265,000 |
| Noninterest income | 42,000 | 85,000 | 136,000 | 180,000 |
| Noninterest expense | 265,000 | 584,000 | 1,008,000 | 1,326,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 62,000 |
| Pretax income | 72,000 | 134,000 | 47,000 | 57,000 |
| Income tax | 55,000 | 55,000 | 55,000 | 79,000 |
| Net income | 17,000 | 79,000 | -8,000 | -22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,796,000 | 2,858,000 | 2,771,000 | 2,782,000 |
| Total capital | 3,032,000 | 3,085,000 | 2,990,000 | 2,997,000 |
| Risk-weighted assets | 18,879,000 | 18,090,000 | 17,403,000 | 17,135,000 |