Call reports 2009
PINNACLE BANK — 2009
What PINNACLE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 65,504,000 | 56,455,000 | 60,003,000 | 60,059,000 |
| Total loans | 40,202,000 | 37,205,000 | 35,742,000 | 36,940,000 |
| Allowance for loan losses | 311,000 | 307,000 | 83,000 | 150,000 |
| Securities available for sale | 14,735,000 | 4,334,000 | 6,863,000 | 9,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,702,000 | 39,523,000 | 37,745,000 | 37,915,000 |
| Interest-bearing deposits | 42,776,000 | 35,131,000 | 33,119,000 | 30,748,000 |
| Noninterest-bearing deposits | 4,926,000 | 4,392,000 | 4,625,000 | 7,167,000 |
| Equity capital | 8,687,000 | 8,432,000 | 13,385,000 | 13,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 757,000 | 1,434,000 | 556,000 | 1,264,000 |
| Interest expense | 358,000 | 674,000 | 239,000 | 494,000 |
| Net interest income | 399,000 | 760,000 | 317,000 | 770,000 |
| Noninterest income | 64,000 | 97,000 | 54,000 | 100,000 |
| Noninterest expense | 439,000 | 997,000 | 295,000 | 794,000 |
| Provision for loan losses | 0 | 0 | 83,000 | 151,000 |
| Pretax income | 24,000 | -171,000 | -7,000 | -75,000 |
| Income tax | 3,000 | 53,000 | 0 | 0 |
| Net income | 21,000 | -224,000 | -7,000 | -75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,677,000 | 8,433,000 | 8,056,000 | 7,999,000 |
| Total capital | 8,988,000 | 8,740,000 | 8,139,000 | 8,149,000 |
| Risk-weighted assets | 42,361,000 | 38,378,000 | 42,205,000 | 43,309,000 |