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 | 213,685,000 | 219,358,000 | 218,739,000 | 220,129,000 |
| Total loans | 101,744,000 | 106,365,000 | 108,814,000 | 108,013,000 |
| Allowance for loan losses | 1,243,000 | 1,314,000 | 1,297,000 | 1,383,000 |
| Securities available for sale | 94,271,000 | 94,421,000 | 89,979,000 | 80,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,502,000 | 191,030,000 | 195,451,000 | 196,588,000 |
| Interest-bearing deposits | 178,127,000 | 178,541,000 | 182,348,000 | 184,764,000 |
| Noninterest-bearing deposits | 13,375,000 | 12,489,000 | 13,103,000 | 11,824,000 |
| Equity capital | 18,600,000 | 20,107,000 | 19,573,000 | 19,590,000 |
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 | 2,737,000 | 5,558,000 | 8,583,000 | 11,687,000 |
| Interest expense | 975,000 | 2,041,000 | 3,250,000 | 4,597,000 |
| Net interest income | 1,762,000 | 3,517,000 | 5,333,000 | 7,090,000 |
| Noninterest income | 424,000 | 864,000 | 1,369,000 | 2,037,000 |
| Noninterest expense | 1,510,000 | 2,955,000 | 4,425,000 | 5,873,000 |
| Provision for loan losses | 156,000 | 303,000 | 441,000 | 575,000 |
| Pretax income | 516,000 | 1,119,000 | 1,832,000 | 2,328,000 |
| Income tax | 166,000 | 351,000 | 583,000 | 735,000 |
| Net income | 350,000 | 768,000 | 1,249,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,557,000 | 20,805,000 | 21,115,000 | 21,289,000 |
| Total capital | 21,800,000 | 22,119,000 | 22,412,000 | 22,672,000 |
| Risk-weighted assets | 120,982,000 | 127,125,000 | 129,569,000 | 128,240,000 |