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 | 66,178,000 | 78,205,000 | 99,049,000 | 106,406,000 |
| Total loans | 48,969,000 | 67,141,000 | 72,502,000 | 86,514,000 |
| Allowance for loan losses | 487,000 | 671,000 | 725,000 | 869,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,038,000 | 9,793,000 | 10,946,000 | 16,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,404,000 | 60,655,000 | 77,367,000 | 84,301,000 |
| Interest-bearing deposits | 49,046,000 | 59,166,000 | 74,551,000 | 82,738,000 |
| Noninterest-bearing deposits | 1,358,000 | 1,489,000 | 2,816,000 | 1,563,000 |
| Equity capital | 14,771,000 | 14,978,000 | 15,173,000 | 15,513,000 |
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 | 961,000 | 2,199,000 | 3,642,000 | 5,461,000 |
| Interest expense | 334,000 | 776,000 | 1,441,000 | 2,255,000 |
| Net interest income | 627,000 | 1,423,000 | 2,201,000 | 3,206,000 |
| Noninterest income | 45,000 | 83,000 | 96,000 | 111,000 |
| Noninterest expense | 306,000 | 619,000 | 1,045,000 | 1,385,000 |
| Provision for loan losses | 153,000 | 337,000 | 391,000 | 535,000 |
| Pretax income | 213,000 | 550,000 | 861,000 | 1,397,000 |
| Income tax | 77,000 | 207,000 | 323,000 | 519,000 |
| Net income | 136,000 | 343,000 | 538,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,571,000 | 14,778,000 | 14,973,000 | 15,313,000 |
| Total capital | 15,058,000 | 15,449,000 | 15,698,000 | 16,182,000 |
| Risk-weighted assets | 45,144,000 | 59,238,000 | 75,437,000 | 86,338,000 |