Call reports 2006
PINNACLE BANK — 2006
What PINNACLE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,997,000 | 88,405,000 | 97,797,000 | 90,810,000 |
| Total loans | 77,595,000 | 80,707,000 | 85,641,000 | 86,230,000 |
| Allowance for loan losses | 1,394,000 | 1,496,000 | 1,496,000 | 2,316,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,630,000 | 77,282,000 | 84,904,000 | 77,710,000 |
| Interest-bearing deposits | 58,942,000 | 64,480,000 | 72,562,000 | 67,231,000 |
| Noninterest-bearing deposits | 10,688,000 | 12,801,000 | 12,342,000 | 10,479,000 |
| Equity capital | 10,382,000 | 10,594,000 | 10,241,000 | 9,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,758,000 | 3,671,000 | 5,722,000 | 7,857,000 |
| Interest expense | 621,000 | 1,300,000 | 2,124,000 | 3,020,000 |
| Net interest income | 1,137,000 | 2,371,000 | 3,598,000 | 4,837,000 |
| Noninterest income | 57,000 | 121,000 | 164,000 | 185,000 |
| Noninterest expense | 789,000 | 1,644,000 | 2,524,000 | 3,441,000 |
| Provision for loan losses | 152,000 | 254,000 | 1,201,000 | 2,203,000 |
| Pretax income | 253,000 | 594,000 | 37,000 | -622,000 |
| Income tax | 81,000 | 219,000 | 14,000 | -243,000 |
| Net income | 172,000 | 375,000 | 23,000 | -379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,905,000 | 10,063,000 | 9,613,000 | 8,899,000 |
| Total capital | 10,921,000 | 11,130,000 | 10,755,000 | 10,018,000 |
| Risk-weighted assets | 80,885,000 | 84,873,000 | 90,975,000 | 88,314,000 |