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 | 48,583,000 | 59,689,000 | 73,395,000 | 73,099,000 |
| Total loans | 46,792,000 | 51,353,000 | 60,156,000 | 70,851,000 |
| Allowance for loan losses | 593,000 | 783,000 | 1,147,000 | 1,247,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,122,000 | 50,465,000 | 62,648,000 | 59,545,000 |
| Interest-bearing deposits | 35,293,000 | 40,797,000 | 53,778,000 | 49,764,000 |
| Noninterest-bearing deposits | 6,829,000 | 9,667,000 | 8,870,000 | 9,781,000 |
| Equity capital | 4,808,000 | 8,880,000 | 9,724,000 | 10,036,000 |
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 | 791,000 | 1,797,000 | 3,063,000 | 4,656,000 |
| Interest expense | 213,000 | 510,000 | 911,000 | 1,395,000 |
| Net interest income | 578,000 | 1,287,000 | 2,152,000 | 3,261,000 |
| Noninterest income | 61,000 | 139,000 | 197,000 | 238,000 |
| Noninterest expense | 463,000 | 1,021,000 | 1,554,000 | 2,236,000 |
| Provision for loan losses | 132,000 | 320,000 | 886,000 | 988,000 |
| Pretax income | 44,000 | 85,000 | -91,000 | 275,000 |
| Income tax | 17,000 | 29,000 | -35,000 | 110,000 |
| Net income | 27,000 | 56,000 | -56,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,562,000 | 8,725,000 | 9,427,000 | 9,543,000 |
| Total capital | 5,148,000 | 9,416,000 | 10,241,000 | 10,472,000 |
| Risk-weighted assets | 46,862,000 | 55,163,000 | 64,756,000 | 73,945,000 |