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 | 1,720,907,000 | 1,752,305,000 | 1,772,727,000 | 1,787,895,000 |
| Total loans | 1,391,266,000 | 1,458,241,000 | 1,480,486,000 | 1,486,893,000 |
| Allowance for loan losses | 30,080,000 | 30,259,000 | 30,575,000 | 31,167,000 |
| Securities available for sale | 219,469,000 | 212,862,000 | 201,500,000 | 201,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,517,733,000 | 1,489,089,000 | 1,561,297,000 | 1,537,081,000 |
| Interest-bearing deposits | 1,424,361,000 | 1,422,864,000 | 1,502,196,000 | 1,484,012,000 |
| Noninterest-bearing deposits | 93,372,000 | 66,225,000 | 59,101,000 | 53,069,000 |
| Equity capital | 170,747,000 | 178,064,000 | 158,536,000 | 157,123,000 |
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 | 23,059,000 | 47,540,000 | 73,340,000 | 99,863,000 |
| Interest expense | 5,670,000 | 12,339,000 | 20,276,000 | 29,243,000 |
| Net interest income | 17,389,000 | 35,201,000 | 53,064,000 | 70,620,000 |
| Noninterest income | 4,102,000 | 8,423,000 | 12,872,000 | 17,056,000 |
| Noninterest expense | 11,681,000 | 23,657,000 | 35,008,000 | 46,490,000 |
| Provision for loan losses | 389,000 | 831,000 | 1,566,000 | 2,131,000 |
| Pretax income | 9,421,000 | 19,138,000 | 29,364,000 | 39,057,000 |
| Income tax | 3,040,000 | 6,383,000 | 9,915,000 | 19,648,000 |
| Net income | 6,381,000 | 12,755,000 | 19,449,000 | 19,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,667,000 | 164,034,000 | 145,165,000 | 145,148,000 |
| Total capital | 175,470,000 | 182,532,000 | 163,947,000 | 164,089,000 |
| Risk-weighted assets | 1,411,980,000 | 1,468,118,000 | 1,490,806,000 | 1,503,060,000 |