Call reports 2016
PINNACLE BANK, INC — 2016
What PINNACLE BANK, INC reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 50,929,000 | 50,087,000 | 49,737,000 | 49,343,000 |
| Total loans | 40,679,000 | 40,716,000 | 40,215,000 | 40,007,000 |
| Allowance for loan losses | 481,000 | 540,000 | 560,000 | 485,000 |
| Securities available for sale | 3,343,000 | 3,501,000 | 3,385,000 | 3,248,000 |
| Securities held to maturity | 210,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,375,000 | 38,184,000 | 37,574,000 | 37,062,000 |
| Interest-bearing deposits | 27,842,000 | 27,826,000 | 27,228,000 | 27,218,000 |
| Noninterest-bearing deposits | 10,533,000 | 10,358,000 | 10,346,000 | 9,844,000 |
| Equity capital | 7,431,000 | 7,483,000 | 7,509,000 | 7,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,180,000 | 1,747,000 | 2,323,000 |
| Interest expense | 56,000 | 115,000 | 176,000 | 234,000 |
| Net interest income | 534,000 | 1,065,000 | 1,571,000 | 2,089,000 |
| Noninterest income | 76,000 | 129,000 | 185,000 | 239,000 |
| Noninterest expense | 425,000 | 834,000 | 1,251,000 | 1,698,000 |
| Provision for loan losses | 20,000 | 78,000 | 110,000 | 110,000 |
| Pretax income | 165,000 | 282,000 | 254,000 | 379,000 |
| Income tax | 49,000 | 82,000 | 67,000 | 105,000 |
| Net income | 116,000 | 200,000 | 187,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,015,000 | 6,109,000 | 6,108,000 | 6,088,000 |
| Total capital | 6,491,000 | 6,581,000 | 6,575,000 | 6,552,000 |
| Risk-weighted assets | 38,076,000 | 37,680,000 | 37,277,000 | 37,079,000 |