Call reports 2015
PINNACLE BANK — 2015
What PINNACLE BANK 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 | 191,587,000 | 190,460,000 | 184,665,000 | 178,298,000 |
| Total loans | 49,221,000 | 48,174,000 | 54,797,000 | 57,512,000 |
| Allowance for loan losses | 659,000 | 692,000 | 744,000 | 804,000 |
| Securities available for sale | 107,734,000 | 111,319,000 | 105,862,000 | 98,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,765,000 | 160,672,000 | 153,542,000 | 146,550,000 |
| Interest-bearing deposits | 67,100,000 | 63,096,000 | 48,827,000 | 43,921,000 |
| Noninterest-bearing deposits | 90,665,000 | 97,576,000 | 104,715,000 | 102,629,000 |
| Equity capital | 21,796,000 | 20,339,000 | 21,730,000 | 22,821,000 |
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 | 1,231,000 | 2,554,000 | 3,962,000 | 5,415,000 |
| Interest expense | 86,000 | 168,000 | 248,000 | 320,000 |
| Net interest income | 1,145,000 | 2,386,000 | 3,714,000 | 5,095,000 |
| Noninterest income | 442,000 | 836,000 | 1,301,000 | 1,844,000 |
| Noninterest expense | 932,000 | 1,890,000 | 2,879,000 | 3,895,000 |
| Provision for loan losses | 20,000 | 60,000 | 110,000 | 170,000 |
| Pretax income | 648,000 | 1,279,000 | 2,027,000 | 2,878,000 |
| Income tax | 202,000 | 375,000 | 585,000 | 831,000 |
| Net income | 446,000 | 904,000 | 1,442,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,835,000 | 18,048,000 | 18,597,000 | 19,217,000 |
| Total capital | 17,494,000 | 18,740,000 | 19,341,000 | 20,021,000 |
| Risk-weighted assets | 65,922,000 | 67,097,000 | 75,072,000 | 80,195,000 |