Call reports 2005
PINNACLE BANK — 2005
What PINNACLE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,962,000 | 94,210,000 | 97,882,000 | 93,296,000 |
| Total loans | 50,336,000 | 54,950,000 | 58,109,000 | 63,671,000 |
| Allowance for loan losses | 391,000 | 385,000 | 384,000 | 407,000 |
| Securities available for sale | 34,445,000 | 31,058,000 | 30,714,000 | 20,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,087,000 | 63,311,000 | 64,336,000 | 66,037,000 |
| Interest-bearing deposits | 60,422,000 | 55,632,000 | 57,346,000 | 57,971,000 |
| Noninterest-bearing deposits | 6,665,000 | 7,679,000 | 6,990,000 | 8,065,000 |
| Equity capital | 9,189,000 | 9,677,000 | 9,408,000 | 8,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,425,000 | 3,729,000 | 5,012,000 |
| Interest expense | 500,000 | 1,100,000 | 1,744,000 | 2,424,000 |
| Net interest income | 659,000 | 1,325,000 | 1,985,000 | 2,588,000 |
| Noninterest income | 80,000 | 183,000 | 280,000 | 265,000 |
| Noninterest expense | 611,000 | 1,233,000 | 1,924,000 | 2,636,000 |
| Provision for loan losses | 0 | 21,000 | 26,000 | 65,000 |
| Pretax income | 139,000 | 271,000 | 332,000 | -42,000 |
| Income tax | 6,000 | 12,000 | 14,000 | 0 |
| Net income | 133,000 | 259,000 | 318,000 | -42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,501,000 | 9,627,000 | 9,686,000 | 9,327,000 |
| Total capital | 9,892,000 | 10,012,000 | 10,070,000 | 9,734,000 |
| Risk-weighted assets | 48,987,000 | 53,126,000 | 58,836,000 | 58,391,000 |