Call reports 2007
PINNACLE BANK — 2007
What PINNACLE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 156,427,000 | 165,838,000 | 161,959,000 | 152,141,000 |
| Total loans | 117,149,000 | 127,764,000 | 128,203,000 | 112,906,000 |
| Allowance for loan losses | 1,175,000 | 3,587,000 | 3,939,000 | 2,762,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,106,000 | 30,885,000 | 30,506,000 | 28,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,864,000 | 133,927,000 | 118,835,000 | 119,306,000 |
| Interest-bearing deposits | 129,044,000 | 131,511,000 | 117,170,000 | 116,530,000 |
| Noninterest-bearing deposits | 2,820,000 | 2,416,000 | 1,665,000 | 2,776,000 |
| Equity capital | 17,683,000 | 16,243,000 | 15,308,000 | 14,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,645,000 | 8,419,000 | 11,029,000 |
| Interest expense | 1,694,000 | 3,469,000 | 5,295,000 | 6,974,000 |
| Net interest income | 1,089,000 | 2,176,000 | 3,124,000 | 4,055,000 |
| Noninterest income | 9,000 | 17,000 | 159,000 | 169,000 |
| Noninterest expense | 490,000 | 945,000 | 1,566,000 | 2,170,000 |
| Provision for loan losses | 35,000 | 2,453,000 | 3,516,000 | 4,741,000 |
| Pretax income | 573,000 | -1,205,000 | -1,799,000 | -2,687,000 |
| Income tax | 192,000 | -464,000 | -682,000 | -1,001,000 |
| Net income | 381,000 | -741,000 | -1,117,000 | -1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,458,000 | 16,182,000 | 15,108,000 | 14,539,000 |
| Total capital | 18,633,000 | 17,940,000 | 16,819,000 | 16,104,000 |
| Risk-weighted assets | 124,884,000 | 138,086,000 | 134,668,000 | 124,017,000 |