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 | 223,168,000 | 213,247,000 | 216,548,000 | 216,525,000 |
| Total loans | 134,429,000 | 130,855,000 | 127,340,000 | 128,128,000 |
| Allowance for loan losses | 1,726,000 | 3,665,000 | 3,477,000 | 3,574,000 |
| Securities available for sale | 65,199,000 | 61,334,000 | 71,059,000 | 67,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,725,000 | 186,927,000 | 191,322,000 | 192,936,000 |
| Interest-bearing deposits | 181,651,000 | 170,199,000 | 173,839,000 | 174,837,000 |
| Noninterest-bearing deposits | 16,074,000 | 16,728,000 | 17,483,000 | 18,099,000 |
| Equity capital | 23,564,000 | 22,407,000 | 22,533,000 | 22,481,000 |
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 | 2,796,000 | 5,543,000 | 8,232,000 | 10,844,000 |
| Interest expense | 917,000 | 1,677,000 | 2,382,000 | 3,004,000 |
| Net interest income | 1,879,000 | 3,866,000 | 5,850,000 | 7,840,000 |
| Noninterest income | 403,000 | 624,000 | 1,126,000 | 1,640,000 |
| Noninterest expense | 1,588,000 | 3,262,000 | 4,826,000 | 6,435,000 |
| Provision for loan losses | 219,000 | 2,271,000 | 2,552,000 | 3,023,000 |
| Pretax income | 475,000 | -1,043,000 | -398,000 | 26,000 |
| Income tax | 116,000 | -518,000 | -345,000 | -252,000 |
| Net income | 359,000 | -525,000 | -53,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,210,000 | 21,187,000 | 20,659,000 | 20,989,000 |
| Total capital | 23,936,000 | 23,096,000 | 22,546,000 | 22,897,000 |
| Risk-weighted assets | 160,099,000 | 150,984,000 | 149,371,000 | 151,340,000 |