Call reports 2008
PINNACLE BANK, INC — 2008
What PINNACLE BANK, INC reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,844,000 | 26,429,000 | 25,843,000 | 25,355,000 |
| Total loans | 13,602,000 | 13,587,000 | 13,277,000 | 12,882,000 |
| Allowance for loan losses | 271,000 | 171,000 | 189,000 | 195,000 |
| Securities available for sale | 3,963,000 | 4,188,000 | 4,911,000 | 5,723,000 |
| Securities held to maturity | 4,454,000 | 4,248,000 | 4,173,000 | 4,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,927,000 | 23,462,000 | 23,076,000 | 21,982,000 |
| Interest-bearing deposits | 19,043,000 | 18,557,000 | 18,318,000 | 17,108,000 |
| Noninterest-bearing deposits | 4,884,000 | 4,905,000 | 4,758,000 | 4,874,000 |
| Equity capital | 2,661,000 | 2,661,000 | 2,543,000 | 2,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 849,000 | 1,335,000 | 1,711,000 |
| Interest expense | 171,000 | 330,000 | 469,000 | 594,000 |
| Net interest income | 264,000 | 519,000 | 866,000 | 1,117,000 |
| Noninterest income | 58,000 | 116,000 | 147,000 | 183,000 |
| Noninterest expense | 261,000 | 590,000 | 893,000 | 1,100,000 |
| Provision for loan losses | 24,000 | -68,000 | -52,000 | -32,000 |
| Pretax income | 37,000 | 113,000 | 172,000 | 232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | 113,000 | 172,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,769,000 | 2,844,000 | 2,903,000 | 2,904,000 |
| Total capital | 3,004,000 | 3,015,000 | 3,092,000 | 3,099,000 |
| Risk-weighted assets | 18,751,000 | 18,536,000 | 18,250,000 | 18,947,000 |