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 | 540,575,000 | 585,841,000 | 684,906,000 | 726,681,000 |
| Total loans | 327,473,000 | 359,121,000 | 439,911,000 | 473,997,000 |
| Allowance for loan losses | 4,042,000 | 4,465,000 | 5,434,000 | 5,650,000 |
| Securities available for sale | 134,383,000 | 137,893,000 | 163,707,000 | 180,574,000 |
| Securities held to maturity | 27,655,000 | 27,635,000 | 27,616,000 | 27,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,041,000 | 468,324,000 | 550,759,000 | 578,872,000 |
| Interest-bearing deposits | 377,420,000 | 385,833,000 | 443,289,000 | 464,554,000 |
| Noninterest-bearing deposits | 66,621,000 | 82,491,000 | 107,470,000 | 114,318,000 |
| Equity capital | 39,528,000 | 43,395,000 | 56,804,000 | 58,140,000 |
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 | 5,666,000 | 11,891,000 | 19,105,000 | 27,679,000 |
| Interest expense | 1,425,000 | 3,038,000 | 4,854,000 | 7,048,000 |
| Net interest income | 4,241,000 | 8,853,000 | 14,251,000 | 20,631,000 |
| Noninterest income | 977,000 | 2,160,000 | 3,729,000 | 5,108,000 |
| Noninterest expense | 3,402,000 | 7,005,000 | 10,948,000 | 15,078,000 |
| Provision for loan losses | 353,000 | 802,000 | 1,814,000 | 2,948,000 |
| Pretax income | 1,711,000 | 3,454,000 | 5,575,000 | 8,070,000 |
| Income tax | 580,000 | 1,102,000 | 1,736,000 | 2,396,000 |
| Net income | 1,131,000 | 2,352,000 | 3,839,000 | 5,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,519,000 | 44,796,000 | 56,283,000 | 58,115,000 |
| Total capital | 42,571,000 | 49,272,000 | 61,727,000 | 63,775,000 |
| Risk-weighted assets | 408,258,000 | 457,559,000 | 540,141,000 | 589,152,000 |