Call reports 2010
PINNACLE BANK — 2010
What PINNACLE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 218,935,000 | 220,103,000 | 207,746,000 | 200,761,000 |
| Total loans | 123,728,000 | 121,002,000 | 119,587,000 | 115,860,000 |
| Allowance for loan losses | 2,632,000 | 2,633,000 | 2,957,000 | 2,444,000 |
| Securities available for sale | 72,694,000 | 60,741,000 | 62,199,000 | 63,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,812,000 | 195,070,000 | 182,394,000 | 177,962,000 |
| Interest-bearing deposits | 176,116,000 | 175,064,000 | 161,633,000 | 157,036,000 |
| Noninterest-bearing deposits | 18,696,000 | 20,006,000 | 20,761,000 | 20,926,000 |
| Equity capital | 22,971,000 | 23,391,000 | 23,570,000 | 22,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,525,000 | 5,030,000 | 7,475,000 | 9,891,000 |
| Interest expense | 555,000 | 1,085,000 | 1,544,000 | 1,966,000 |
| Net interest income | 1,970,000 | 3,945,000 | 5,931,000 | 7,925,000 |
| Noninterest income | 348,000 | 781,000 | 1,251,000 | 1,672,000 |
| Noninterest expense | 1,615,000 | 3,144,000 | 4,754,000 | 6,383,000 |
| Provision for loan losses | 175,000 | 925,000 | 1,615,000 | 2,415,000 |
| Pretax income | 528,000 | 634,000 | 790,000 | 776,000 |
| Income tax | 125,000 | 97,000 | 83,000 | 55,000 |
| Net income | 403,000 | 537,000 | 707,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,392,000 | 21,213,000 | 21,248,000 | 20,768,000 |
| Total capital | 23,218,000 | 22,934,000 | 22,921,000 | 22,439,000 |
| Risk-weighted assets | 145,285,000 | 136,798,000 | 134,113,000 | 132,945,000 |