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 | 27,495,000 | 34,563,000 | 40,725,000 | 40,218,000 |
| Total loans | 24,411,000 | 30,535,000 | 34,188,000 | 38,660,000 |
| Allowance for loan losses | 242,000 | 314,000 | 423,000 | 461,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,326,000 | 30,276,000 | 36,348,000 | 35,038,000 |
| Interest-bearing deposits | 19,731,000 | 25,265,000 | 31,419,000 | 29,126,000 |
| Noninterest-bearing deposits | 3,595,000 | 5,010,000 | 4,928,000 | 5,911,000 |
| Equity capital | 4,058,000 | 4,133,000 | 4,177,000 | 4,781,000 |
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 | 384,000 | 875,000 | 1,493,000 | 2,174,000 |
| Interest expense | 78,000 | 183,000 | 334,000 | 488,000 |
| Net interest income | 306,000 | 692,000 | 1,159,000 | 1,686,000 |
| Noninterest income | 21,000 | 54,000 | 78,000 | 157,000 |
| Noninterest expense | 291,000 | 563,000 | 901,000 | 1,261,000 |
| Provision for loan losses | 57,000 | 129,000 | 238,000 | 278,000 |
| Pretax income | -21,000 | 54,000 | 98,000 | 304,000 |
| Income tax | 0 | 0 | 0 | -398,000 |
| Net income | -21,000 | 54,000 | 98,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,058,000 | 4,133,000 | 4,177,000 | 4,535,000 |
| Total capital | 4,300,000 | 4,447,000 | 4,600,000 | 4,996,000 |
| Risk-weighted assets | 25,474,000 | 32,725,000 | 36,424,000 | 39,783,000 |