Board of Governors of the Federal Reserve System

Federal Deposit Insurance Corporation

Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion - FFIEC 051

Institution Name

PINNACLE BANK

City

MORGAN HILL

State

CA

Zip Code

95037

Call Report Report Date

9/30/2023

Report Type

051

RSSD-ID

3455227

FDIC Certificate Number

58297

OCC Charter Number

0

ABA Routing Number

121144340

Last updated on

10/26/2023

Federal Financial Institutions Examination Council

Signature Page

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion - FFIEC 051

Report at the close of business September 30, 2023

This report is required by law: 12 U.S.C. §324 (State member banks); 12 U.S.C. §1817 (State non member banks); 12 U.S.C. §161 (National banks); and 12 U.S.C. §1464 (Savings associations).

(20230930)

(RCON 9999)

Unless the context indicates otherwise, the term "bank" in this report form refers to both banks and savings associations.

NOTE: Each bank's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with federal regulatory authority instructions.The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for state non member banks and three directors for state member banks, national banks, and savings associations.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting

schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct to the best of my knowledge and belief.

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

Signature of Chief Financial Officer (or Equivalent)

Director (Trustee)

Date of Signature

Director (Trustee)

Director (Trustee)

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) data by either:

  1. Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for datacollection (https://cdr.ffiec.gov/cdr/), or
  2. Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data in to the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (703) 774-3946, or by e-mail at CDR.Help@cdr.ffiec.gov.

FDIC Certificate Number 58297 (RSSD 9050)

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount.

PINNACLE BANK

Legal Title of Bank (RSSD 9017)

MORGAN HILL

City (RSSD 9130)

CA

95037

State Abbreviation (RSSD 9200)

Zip Code (RSSD 9220)

The estimated average burden associated with this information collection is 50.4 hours per respondent and is estimated to vary from 20 to 775 hours per response, depending on individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent's activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion - FFIEC 051

Table of Contents

Signature Page

1

Table of Contents

2

Contact Information for the Reports of Condition and

Income

3

USA PATRIOT Act Section 314(a) Anti-Money

Laundering Contact Information

4

Contact Information(Form Type - 051)

5

Schedule RI - Income Statement(Form Type -

051)

7

Schedule RI-A - Changes in Bank Equity

Capital(Form Type - 051)

9

Schedule RI-B Part I - Charge-offs and Recoveries

on Loans and Leases(Form Type - 051)

10

Schedule RI-B Part II - Changes in Allowances for

Credit Losses(Form Type - 051)

11

Schedule RI-C - Disaggregated Data on the

Allowance for Loan and Lease Losses(Form

Type - 051)

12

Schedule RI-E - Explanations (Form Type -

051)

13

Schedule RC - Balance Sheet(Form Type -

051)

15

Schedule RC-B - Securities(Form Type - 051)

17

Schedule RC-C Part I - Loans and Leases(Form

Type - 051)

19

Schedule RC-C Part II - Loans to Small Businesses

and Small Farms(Form Type - 051)

23

Schedule RC-E - Deposit Liabilities(Form Type -

051)

25

Schedule RC-F - Other Assets(Form Type -

051)

28

Schedule RC-G - Other Liabilities(Form Type -

051)

29

Schedule RC-K - Quarterly Averages(Form Type -

051)

30

Schedule RC-L - Off-Balance Sheet Items(Form

Type - 051)

31

Schedule RC-M - Memoranda(Form Type -

051)

33

Schedule RC-N - Past Due and Nonaccrual Loans

Leases and Other Assets(Form Type -

051)

36

Schedule RC-O - Other Data for Deposit Insurance

and FICO Assessments(Form Type - 051)

39

Schedule RC-R Part I - Regulatory Capital

Components and Ratios(Form Type - 051)

41

Schedule RC-R Part II - Risk-Weighted Assets(Form

Type - 051)

44

Schedule RC-T - Fiduciary and Related

Services(Form Type - 051)

53

Schedule SU - Supplemental Information(Form Type

- 051)

56

Optional Narrative Statement Concerning the

Amounts Reported in the Consolidated Reports

of Condition and Income(Form Type - 051)

57

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency

Legend: NR - Not Reported, CONF - Confidential

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank-other than the Chief Financial Officer (or equivalent)-to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing

Other Person to Whom Questions about the

the Reports

Reports Should be Directed

CONF

CONF

Name (TEXT C490)

Name (TEXT C495)

CONF

CONF

Title (TEXT C491)

Title (TEXT C496)

CONF

CONF

E-mail Address (TEXT C492)

E-mail Address (TEXT 4086)

CONF

CONF

Area Code / Phone Number / Extension (TEXT C493)

Area Code / Phone Number / Extension (TEXT 8902)

CONF

CONF

Area Code / FAX Number (TEXT C494)

Area Code / FAX Number (TEXT 9116)

Primary Contact

Secondary Contact

CONF

CONF

Name (TEXT C366)

Name (TEXT C371)

CONF

CONF

Title (TEXT C367)

Title (TEXT C372)

CONF

CONF

E-mail Address (TEXT C368)

E-mail Address (TEXT C373)

CONF

CONF

Area Code / Phone Number / Extension (TEXT C369)

Area Code / Phone Number / Extension (TEXT C374)

CONF

CONF

Area Code / FAX Number (TEXT C370)

Area Code / FAX Number (TEXT C375)

USA PATRIOT Act Section 314(a) Anti-Money Laundering

Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti- money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Primary Contact

Third Contact

CONF

CONF

Name (TEXT C437)

Name (TEXT C870)

CONF

CONF

Title (TEXT C438)

Title (TEXT C871)

CONF

CONF

E-mail Address (TEXT C439)

E-mail Address (TEXT C368)

CONF

CONF

Area Code / Phone Number / Extension (TEXT C440)

Area Code / Phone Number / Extension (TEXT C873)

Secondary Contact

Fourth Contact

CONF

CONF

Name (TEXT C442)

Name (TEXT C875)

CONF

CONF

Title (TEXT C443)

Title (TEXT C876)

CONF

CONF

E-mail Address (TEXT C444)

E-mail Address (TEXT C877)

CONF

CONF

Area Code / Phone Number / Extension (TEXT 8902)

Area Code / Phone Number / Extension (TEXT C878)

PINNACLE BANK

FFIEC 051

RSSD-ID 3455227

Report Date 9/30/2023

Last Updated on 10/26/2023

5

Contact Information(Form Type - 051)

Dollar amounts in thousands 1. Contact Information for the Reports of Condition and Income a. Chief Financial Officer (or Equivalent) Signing the Reports 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

5. FAX...............................................................................................................................................................

b. Other Person to Whom Questions about the Reports Should be Directed 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

5. FAX...............................................................................................................................................................

2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services should be directed a. Name and Title.....................................................................................................................................................

b. E-mail Address.....................................................................................................................................................

c. Telephone.............................................................................................................................................................

d. FAX.......................................................................................................................................................................

3. Emergency Contact Information a. Primary Contact 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

5. FAX...............................................................................................................................................................

b. Secondary Contact 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

5. FAX...............................................................................................................................................................

4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information a. Primary Contact 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

b. Secondary Contact 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

c. Third Contact 1. Name............................................................................................................................................................

2. Title...............................................................................................................................................................

3. E-mail Address..............................................................................................................................................

4. Telephone......................................................................................................................................................

d. Fourth Contact

1. Name............................................................................................................................................................

1.

1.a.

TEXTC490

CONF 1.a.1.

TEXTC491

CONF 1.a.2.

TEXTC492

CONF 1.a.3.

TEXTC493

CONF 1.a.4.

TEXTC494

CONF 1.a.5.

1.b.

TEXTC495

CONF 1.b.1.

TEXTC496

CONF 1.b.2.

TEXT4086

CONF 1.b.3.

TEXT8902

CONF 1.b.4.

TEXT9116

CONF 1.b.5.

2.

TEXTB962

CONF 2.a.

TEXTB926

CONF 2.b.

TEXTB963

CONF 2.c.

TEXTB964

CONF 2.d.

3.

3.a.

TEXTC366

CONF 3.a.1.

TEXTC367

CONF 3.a.2.

TEXTC368

CONF 3.a.3.

TEXTC369

CONF 3.a.4.

TEXTC370

CONF 3.a.5.

3.b.

TEXTC371

CONF 3.b.1.

TEXTC372

CONF 3.b.2.

TEXTC373

CONF 3.b.3.

TEXTC374

CONF 3.b.4.

TEXTC375

CONF 3.b.5.

4.

4.a.

TEXTC437

CONF 4.a.1.

TEXTC438

CONF 4.a.2.

TEXTC439

CONF 4.a.3.

TEXTC440

CONF 4.a.4.

4.b.

TEXTC442

CONF 4.b.1.

TEXTC443

CONF 4.b.2.

TEXTC444

CONF 4.b.3.

TEXTC445

CONF 4.b.4.

4.c.

TEXTC870

CONF 4.c.1.

TEXTC871

CONF 4.c.2.

TEXTC872

CONF 4.c.3.

TEXTC873

CONF 4.c.4.

4.d.

TEXTC875

CONF 4.d.1.

PINNACLE BANK

FFIEC 051

RSSD-ID 3455227

Report Date 9/30/2023

Last Updated on 10/26/2023

6

Dollar amounts in thousands

  1. Title...............................................................................................................................................................
  2. E-mailAddress..............................................................................................................................................
  3. Telephone......................................................................................................................................................

5. Chief Executive Officer Contact Information a. Chief Executive Officer

  1. Name............................................................................................................................................................
  2. E-mailAddress..............................................................................................................................................
  3. Telephone......................................................................................................................................................
  4. FAX...............................................................................................................................................................

TEXTC876

CONF 4.d.2.

TEXTC877

CONF 4.d.3.

TEXTC878

CONF 4.d.4.

5.

5.a.

TEXTFT42

CONF 5.a.1.

TEXTFT44

CONF 5.a.2.

TEXTFT43

CONF 5.a.3.

TEXTFT45

CONF 5.a.4.

PINNACLE BANK

FFIEC 051

RSSD-ID 3455227

Report Date 9/30/2023

Last Updated on 10/26/2023

7

Schedule RI - Income Statement(Form Type - 051)

Dollar amounts in thousands

1. Interest income:

1.

a. Interest and fee income on loans:

1.a.

1. Loans secured by real estate:

1.a.1.

a. Loans secured by 1-4 family residential properties

RIAD4435

1,962

1.a.1.a.

b. All other loans secured by real estate

RIAD4436

20,040

1.a.1.b.

2. Commercial and industrial loans

RIAD4012

5,564

1.a.2.

3. Loans to individuals for household, family, and other personal expenditures:

1.a.3.

a. Credit cards

RIADB485

0

1.a.3.a.

b. Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer

RIADB486

0

1.a.3.b.

loans)

4. Not applicable

1.a.4.

5. All other loans1

RIAD4058

14

1.a.5.

6. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))

RIAD4010

27,580

1.a.6.

b. Income from lease financing receivables

RIAD4065

0

1.b.

c. Interest income on balances due from depository institutions2

RIAD4115

2,200

1.c.

d. Interest and dividend income on securities:

1.d.

1. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities).

RIADB488

455

1.d.1.

2. Mortgage-backed securities

RIADB489

2,066

1.d.2.

3. All other securities (includes securities issued by states and political subdivisions in the U.S.)

RIAD4060

440

1.d.3.

e. Not applicable

1.e.

f. Interest income on federal funds sold and securities purchased under agreements to resell

RIAD4020

1,297

1.f.

g. Other interest income

RIAD4518

166

1.g.

h. Total interest income (sum of items 1.a.(6) through 1.g)

RIAD4107

34,204

1.h.

2. Interest expense:

2.

a. Interest on deposits:

2.a.

1. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone

RIAD4508

93

2.a.1.

and preauthorized transfer accounts)

2. Nontransaction accounts:

2.a.2.

a. Savings deposits (includes MMDAs)

RIAD0093

4,230

2.a.2.a.

b. Time deposits of $250,000 or less

RIADHK03

1,090

2.a.2.b.

c. Time deposits of more than $250,000

RIADHK04

1,113

2.a.2.c.

b. Expense of federal funds purchased and securities sold under agreements to repurchase

RIAD4180

0

2.b.

c. Other interest expense

RIADGW44

0

2.c.

d. Not applicable

2.d.

e. Total interest expense (sum of items 2.a through 2.c)

RIAD4073

6,526

2.e.

3. Net interest income (item 1.h minus 2.e)

RIAD4074

27,678

3.

4. Provision for loan and lease losses3

RIADJJ33

186

4.

5. Noninterest income:

5.

a. Income from fiduciary activities 2

RIAD4070

0

5.a.

b. Service charges on deposit accounts

RIAD4080

176

5.b.

c. Not applicable

5.c.

d. Income from securities-related and insurance activities

5.d.

1. Fees and commissions from securities brokerage, investment banking, advisory, and underwriting

RIADHT73

0

5.d.1.

activities

  1. Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans"
  2. Includes interest income on time certificates of deposit not held for trading.
  3. Institutions that have adopted ASU 2016-13 should report in item 4 the provisions for credit losses for all financial assets and off-balance-sheet credit exposures that fall within the scope of the standard.

2. For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 22.

PINNACLE BANK

FFIEC 051

RSSD-ID 3455227

Report Date 9/30/2023

Last Updated on 10/26/2023

8

Dollar amounts in thousands

2. Income from insurance activities3

RIADHT74

0

5.d.2.

e. Not applicable

5.e.

f. Net servicing fees

RIADB492

642

5.f.

g. Not applicable

5.g.

h. Not applicable

5.h.

i. Net gains (losses) on sales of loans and leases

RIAD5416

1,248

5.i.

j. Net gains (losses) on sales of other real estate owned

RIAD5415

0

5.j.

k. Net gains (losses) on sales of other assets3

RIADB496

0

5.k.

l. Other noninterest income*

RIADB497

796

5.l.

m. Total noninterest income (sum of items 5.a through 5.l)

RIAD4079

2,862

5.m.

6. Not available

6.

a. Realized gains (losses) on held-to-maturity securities

RIAD3521

0

6.a.

b. Realized gains (losses) on available-for-sale debt securities

RIAD3196

0

6.b.

7. Noninterest expense:

7.

a. Salaries and employee benefits

RIAD4135

13,933

7.a.

b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and

RIAD4217

1,287

7.b.

mortgage interest)

c. Not available

7.c.

1. Goodwill impairment losses

RIADC216

0

7.c.1.

2. Amortization expense and impairment losses for other intangible assets

RIADC232

0

7.c.2.

d. Other noninterest expense*

RIAD4092

3,180

7.d.

e. Total noninterest expense (sum of items 7.a through 7.d)

RIAD4093

18,400

7.e.

8. Not available

8.

a. Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading,

RIADHT69

11,954

8.a.

applicable income taxes, and discontinued operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)

b. Change in net unrealized holding gains (losses) on equity securities not held for trading4

RIADHT70

0

8.b.

c. Income (loss) before applicable income taxes and discontinued operations (sum of items 8.a and 8.b)

RIAD4301

11,954

8.c.

9. Applicable income taxes (on item 8.c)

RIAD4302

3,435

9.

10. Income (loss) before discontinued operations (item 8.c minus item 9)

RIAD4300

8,519

10.

11. Discontinued operations, net of applicable income taxes*

RIADFT28

0

11.

12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11)

RIADG104

8,519

12.

13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value;

RIADG103

0

13.

if net loss, report as a negative value)

14. Net income (loss) attributable to bank (item 12 minus item 13)

RIAD4340

8,519

14.

1. Not applicable

M.1.

2. Not applicable

M.2.

3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI,

RIAD4313

0

M.3.

items 1.a and 1.b)

4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI,

RIAD4507

0

M.4.

item 1.d.(3))

5. Number of full-time equivalent employees at end of current period (round to nearest whole number)

RIAD4150

91

M.5.

Memorandum item 6 is to be completed by:

  • banks with $300 million or more in total assets, and
  • banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans
  1. Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5))1..............................................................................................................................................................
  2. If the reporting institution has applied pushdown accounting this calendar year, report the date of the institution's acquisition (see instructions)2.........................................................................................................................................

RIAD4024

0

M.6.

RIAD9106

00000000

M.7.

3. Includes underwriting income from insurance and reinsurance activities.

3. Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities.

*.

Describe on Schedule RI-E - Explanations.

*.

Describe on Schedule RI-E - Explanations.

4. Item 8.b is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.

*.

Describe on Schedule RI-E - Explanations.

  1. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported in the June 30, 2022, Report of Condition.
  2. Report the date in YYYYMMDD format. For example, a bank acquired on March 1, 2023, would report 20230301.

PINNACLE BANK

FFIEC 051

RSSD-ID 3455227

Report Date 9/30/2023

Last Updated on 10/26/2023

9

Dollar amounts in thousands

  1. Not applicable
  2. Not applicable
  3. Not applicable
  4. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year?...............................................................................................................................................................................
  5. Not applicable
  6. Not applicable

Memorandum item 14 is to be completed semiannually in the June and December reports only.

14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities recognized in earnings (included in Schedule RI, items 6.a and 6.b)3..................................................................................................

M.8.

M.9. M.10.

RIADA530

No M.11.

M.12. M.13.

RIADJ321

NR M.14.

Memorandum item 15 is to be completed annually in the December report only by institutions with $1 billion or more in total assets1 that answered "Yes" to Schedule RC-E, Memorandum item 5.

M.15.

15. Components of service charges on deposit accounts (sum of Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b):

a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savings

RIADH032

account deposit products intended primarily for individuals for personal, household, or family use

b. Consumer account periodic maintenance charges levied on those transaction account and nontransaction

RIADH033

savings account deposit products intended primarily for individuals for personal, household, or family use

c. Consumer customer automated teller machine (ATM) fees levied on those transaction account and nontransaction

RIADH034

savings account deposit products intended primarily for individuals for personal, household, or family use

d. All other service charges on deposit accounts

RIADH035

NR M.15.a.

NR M.15.b.

NR M.15.c.

NR M.15.d.

Schedule RI-A - Changes in Bank Equity Capital(Form Type - 051)

Dollar amounts in thousands

1. Total bank equity capital most recently reported for the December 31, 2022, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income).....................................................................................................

2. Cumulative effect of changes in accounting principles and corrections of material accounting errors*.......................

3. Balance end of previous calendar year as restated (sum of items 1 and 2)................................................................

4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)..................................................................

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)...................

6. Treasury stock transactions, net..................................................................................................................................

7. Changes incident to business combinations, net.........................................................................................................

8. LESS: Cash dividends declared on preferred stock....................................................................................................

9. LESS: Cash dividends declared on common stock.....................................................................................................

10. Other comprehensive income1..................................................................................................................................

11. Other transactions with stockholders (including a parent holding company) (not included in items 5, 6, 8, or 9 above)*............................................................................................................................................................................

12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)..

RIAD3217

73,686

1.

RIADB507

-353

2.

RIADB508

73,333

3.

RIAD4340

8,519

4.

RIADB509

1,303

5.

RIADB510

0

6.

RIAD4356

0

7.

RIAD4470

0

8.

RIAD4460

0

9.

RIADB511

-351

10.

RIAD4415

0

11.

RIAD3210

82,804

12.

3. Memorandum item 14 is to be completed only by institutions that have not adopted ASU 2016-13.

*.

Describe on Schedule RI-E - Explanations.

1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.

*.

Describe on Schedule RI-E - Explanations.

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Pinnacle Bank published this content on 03 November 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 03 November 2023 21:53:06 UTC.