Call reports 2004
PINNACLE BANK — 2004
What PINNACLE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,661,255,000 | 1,682,108,000 | 1,692,157,000 | 1,714,079,000 |
| Total loans | 1,305,293,000 | 1,334,191,000 | 1,364,324,000 | 1,381,908,000 |
| Allowance for loan losses | 29,390,000 | 29,565,000 | 29,760,000 | 29,789,000 |
| Securities available for sale | 254,200,000 | 254,744,000 | 245,398,000 | 236,717,000 |
| Securities held to maturity | 37,000 | 37,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,477,732,000 | 1,447,469,000 | 1,462,074,000 | 1,476,474,000 |
| Interest-bearing deposits | 1,413,315,000 | 1,385,648,000 | 1,400,970,000 | 1,411,327,000 |
| Noninterest-bearing deposits | 64,417,000 | 61,821,000 | 61,104,000 | 65,147,000 |
| Equity capital | 160,999,000 | 153,854,000 | 162,419,000 | 165,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 21,716,000 | 43,671,000 | 66,307,000 | 89,572,000 |
| Interest expense | 5,236,000 | 10,216,000 | 15,269,000 | 20,642,000 |
| Net interest income | 16,480,000 | 33,455,000 | 51,038,000 | 68,930,000 |
| Noninterest income | 4,098,000 | 8,632,000 | 12,838,000 | 16,776,000 |
| Noninterest expense | 11,126,000 | 22,404,000 | 33,151,000 | 44,367,000 |
| Provision for loan losses | 314,000 | 681,000 | 1,054,000 | 1,413,000 |
| Pretax income | 9,149,000 | 19,021,000 | 29,691,000 | 39,950,000 |
| Income tax | 2,866,000 | 6,178,000 | 9,827,000 | 13,407,000 |
| Net income | 6,283,000 | 12,687,000 | 19,708,000 | 26,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,493,000 | 139,935,000 | 146,951,000 | 151,069,000 |
| Total capital | 160,222,000 | 157,203,000 | 164,401,000 | 168,807,000 |
| Risk-weighted assets | 1,325,626,000 | 1,369,131,000 | 1,383,717,000 | 1,406,960,000 |