Call reports 2014
PINNACLE BANK, INC — 2014
What PINNACLE BANK, INC reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 43,257,000 | 45,382,000 | 45,590,000 | 47,895,000 |
| Total loans | 31,542,000 | 33,550,000 | 35,564,000 | 37,965,000 |
| Allowance for loan losses | 434,000 | 440,000 | 421,000 | 438,000 |
| Securities available for sale | 2,858,000 | 2,883,000 | 3,049,000 | 3,043,000 |
| Securities held to maturity | 960,000 | 865,000 | 865,000 | 820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,376,000 | 35,373,000 | 34,125,000 | 35,639,000 |
| Interest-bearing deposits | 23,722,000 | 25,062,000 | 24,461,000 | 25,450,000 |
| Noninterest-bearing deposits | 9,654,000 | 10,311,000 | 9,664,000 | 10,189,000 |
| Equity capital | 6,742,000 | 6,834,000 | 6,923,000 | 7,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 488,000 | 1,014,000 | 1,547,000 | 2,109,000 |
| Interest expense | 35,000 | 73,000 | 112,000 | 153,000 |
| Net interest income | 453,000 | 941,000 | 1,435,000 | 1,956,000 |
| Noninterest income | 32,000 | 66,000 | 101,000 | 135,000 |
| Noninterest expense | 404,000 | 808,000 | 1,220,000 | 1,641,000 |
| Provision for loan losses | 0 | 16,000 | 19,000 | 36,000 |
| Pretax income | 81,000 | 183,000 | 297,000 | 414,000 |
| Income tax | 19,000 | 45,000 | 75,000 | 107,000 |
| Net income | 62,000 | 138,000 | 222,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,098,000 | 5,192,000 | 5,295,000 | 5,399,000 |
| Total capital | 5,466,000 | 5,580,000 | 5,696,000 | 5,819,000 |
| Risk-weighted assets | 29,396,000 | 31,028,000 | 32,071,000 | 33,595,000 |