Call reports 2007
PINNACLE BANK — 2007
What PINNACLE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,216,000 | 92,848,000 | 76,130,000 | 86,808,000 |
| Total loans | 81,661,000 | 75,193,000 | 70,023,000 | 65,018,000 |
| Allowance for loan losses | 2,449,000 | 2,453,000 | 1,895,000 | 1,071,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,839,000 | 82,192,000 | 66,222,000 | 77,393,000 |
| Interest-bearing deposits | 68,184,000 | 67,482,000 | 52,719,000 | 64,242,000 |
| Noninterest-bearing deposits | 13,655,000 | 14,710,000 | 13,504,000 | 13,151,000 |
| Equity capital | 9,990,000 | 10,194,000 | 9,136,000 | 8,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,068,000 | 5,866,000 | 7,423,000 |
| Interest expense | 834,000 | 1,680,000 | 2,414,000 | 3,030,000 |
| Net interest income | 1,194,000 | 2,388,000 | 3,452,000 | 4,393,000 |
| Noninterest income | 30,000 | 61,000 | 140,000 | 220,000 |
| Noninterest expense | 1,078,000 | 2,092,000 | 3,060,000 | 3,892,000 |
| Provision for loan losses | 0 | 0 | 1,434,000 | 2,634,000 |
| Pretax income | 146,000 | 357,000 | -902,000 | -1,913,000 |
| Income tax | 53,000 | 116,000 | 0 | -717,000 |
| Net income | 93,000 | 241,000 | -902,000 | -1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,103,000 | 9,434,000 | 8,081,000 | 7,627,000 |
| Total capital | 10,168,000 | 10,461,000 | 9,034,000 | 8,541,000 |
| Risk-weighted assets | 83,793,000 | 80,719,000 | 75,268,000 | 72,960,000 |