Call reports 2015
PINNACLE BANK, INC — 2015
What PINNACLE BANK, INC reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 50,188,000 | 49,897,000 | 50,426,000 | 50,855,000 |
| Total loans | 39,411,000 | 39,520,000 | 41,147,000 | 40,969,000 |
| Allowance for loan losses | 437,000 | 440,000 | 461,000 | 471,000 |
| Securities available for sale | 3,079,000 | 3,139,000 | 3,124,000 | 3,235,000 |
| Securities held to maturity | 730,000 | 620,000 | 260,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,890,000 | 36,517,000 | 37,851,000 | 38,273,000 |
| Interest-bearing deposits | 26,938,000 | 26,467,000 | 27,430,000 | 28,336,000 |
| Noninterest-bearing deposits | 9,952,000 | 10,050,000 | 10,421,000 | 9,937,000 |
| Equity capital | 7,114,000 | 7,187,000 | 7,305,000 | 7,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,134,000 | 1,738,000 | 2,343,000 |
| Interest expense | 44,000 | 90,000 | 138,000 | 193,000 |
| Net interest income | 508,000 | 1,044,000 | 1,600,000 | 2,150,000 |
| Noninterest income | 34,000 | 66,000 | 111,000 | 143,000 |
| Noninterest expense | 430,000 | 859,000 | 1,291,000 | 1,733,000 |
| Provision for loan losses | 1,000 | 4,000 | 24,000 | 34,000 |
| Pretax income | 111,000 | 247,000 | 396,000 | 526,000 |
| Income tax | 29,000 | 66,000 | 109,000 | 143,000 |
| Net income | 82,000 | 181,000 | 287,000 | 383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,735,000 | 5,841,000 | 5,954,000 | 5,954,000 |
| Total capital | 6,172,000 | 6,281,000 | 6,415,000 | 6,425,000 |
| Risk-weighted assets | 36,799,000 | 37,075,000 | 38,171,000 | 38,062,000 |