Call reports 2004
PINNACLE BANK — 2004
What PINNACLE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,387,000 | 97,981,000 | 83,814,000 | 89,337,000 |
| Total loans | 57,102,000 | 59,850,000 | 45,481,000 | 47,044,000 |
| Allowance for loan losses | 408,000 | 408,000 | 408,000 | 393,000 |
| Securities available for sale | 29,381,000 | 24,376,000 | 31,590,000 | 35,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,355,000 | 79,308,000 | 46,462,000 | 62,425,000 |
| Interest-bearing deposits | 63,825,000 | 68,215,000 | 40,832,000 | 55,664,000 |
| Noninterest-bearing deposits | 10,530,000 | 11,093,000 | 5,630,000 | 6,761,000 |
| Equity capital | 6,785,000 | 6,156,000 | 9,229,000 | 9,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,155,000 | 3,155,000 | 4,276,000 |
| Interest expense | 491,000 | 984,000 | 1,397,000 | 1,855,000 |
| Net interest income | 604,000 | 1,171,000 | 1,758,000 | 2,421,000 |
| Noninterest income | 142,000 | 290,000 | 3,585,000 | 3,687,000 |
| Noninterest expense | 646,000 | 1,270,000 | 1,941,000 | 2,653,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 184,000 | 2,798,000 | 2,851,000 |
| Income tax | 4,000 | 8,000 | 556,000 | 574,000 |
| Net income | 96,000 | 176,000 | 2,242,000 | 2,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,775,000 | 6,766,000 | 9,034,000 | 9,368,000 |
| Total capital | 7,183,000 | 7,174,000 | 9,442,000 | 9,761,000 |
| Risk-weighted assets | 51,001,000 | 53,485,000 | 42,578,000 | 45,510,000 |