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 | 209,661,000 | 210,365,000 | 207,623,000 | 207,743,000 |
| Total loans | 109,537,000 | 106,201,000 | 104,559,000 | 101,973,000 |
| Allowance for loan losses | 1,538,000 | 1,635,000 | 1,253,000 | 1,167,000 |
| Securities available for sale | 77,388,000 | 86,959,000 | 85,381,000 | 89,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,188,000 | 186,696,000 | 184,017,000 | 184,368,000 |
| Interest-bearing deposits | 174,500,000 | 173,829,000 | 171,893,000 | 171,991,000 |
| Noninterest-bearing deposits | 11,688,000 | 12,867,000 | 12,124,000 | 12,377,000 |
| Equity capital | 19,804,000 | 18,420,000 | 19,927,000 | 19,811,000 |
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 | 2,669,000 | 5,417,000 | 8,115,000 | 10,804,000 |
| Interest expense | 826,000 | 1,665,000 | 2,516,000 | 3,408,000 |
| Net interest income | 1,843,000 | 3,752,000 | 5,599,000 | 7,396,000 |
| Noninterest income | 466,000 | 1,028,000 | 1,486,000 | 1,964,000 |
| Noninterest expense | 1,426,000 | 2,883,000 | 4,265,000 | 5,788,000 |
| Provision for loan losses | 147,000 | 294,000 | 441,000 | 588,000 |
| Pretax income | 658,000 | 1,525,000 | 2,005,000 | 2,610,000 |
| Income tax | 220,000 | 518,000 | 672,000 | 809,000 |
| Net income | 438,000 | 1,007,000 | 1,333,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,528,000 | 19,924,000 | 20,080,000 | 20,378,000 |
| Total capital | 21,059,000 | 21,440,000 | 21,333,000 | 21,545,000 |
| Risk-weighted assets | 122,497,000 | 121,191,000 | 119,363,000 | 118,237,000 |