Call reports 2008
PINNACLE BANK — 2008
What PINNACLE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 227,639,000 | 228,119,000 | 223,716,000 | 225,351,000 |
| Total loans | 139,597,000 | 140,763,000 | 135,683,000 | 139,453,000 |
| Allowance for loan losses | 1,774,000 | 1,508,000 | 1,609,000 | 1,651,000 |
| Securities available for sale | 60,704,000 | 60,770,000 | 61,445,000 | 65,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,898,000 | 197,129,000 | 192,362,000 | 198,482,000 |
| Interest-bearing deposits | 187,799,000 | 179,916,000 | 176,630,000 | 182,807,000 |
| Noninterest-bearing deposits | 15,099,000 | 17,213,000 | 15,732,000 | 15,675,000 |
| Equity capital | 21,961,000 | 20,798,000 | 21,737,000 | 23,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,399,000 | 6,535,000 | 9,648,000 | 12,676,000 |
| Interest expense | 1,626,000 | 2,950,000 | 4,229,000 | 5,395,000 |
| Net interest income | 1,773,000 | 3,585,000 | 5,419,000 | 7,281,000 |
| Noninterest income | 385,000 | 793,000 | 1,261,000 | 1,595,000 |
| Noninterest expense | 1,513,000 | 2,984,000 | 4,582,000 | 6,183,000 |
| Provision for loan losses | 208,000 | 501,000 | 727,000 | 900,000 |
| Pretax income | 451,000 | 907,000 | 1,384,000 | 1,806,000 |
| Income tax | 136,000 | 267,000 | 381,000 | 454,000 |
| Net income | 315,000 | 640,000 | 1,003,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,419,000 | 21,420,000 | 21,782,000 | 21,991,000 |
| Total capital | 23,193,000 | 22,928,000 | 23,391,000 | 23,642,000 |
| Risk-weighted assets | 157,094,000 | 165,221,000 | 160,951,000 | 163,299,000 |