Call reports 2002
PINNACLE STATE BANK — 2002
What PINNACLE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,559,000 | 60,493,000 | 61,675,000 | 59,714,000 |
| Total loans | 40,973,000 | 43,204,000 | 47,188,000 | 46,739,000 |
| Allowance for loan losses | 629,000 | 625,000 | 623,000 | 715,000 |
| Securities available for sale | 7,466,000 | 7,404,000 | 7,336,000 | 7,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,046,000 | 48,163,000 | 49,170,000 | 48,059,000 |
| Interest-bearing deposits | 33,658,000 | 33,709,000 | 34,180,000 | 33,940,000 |
| Noninterest-bearing deposits | 16,388,000 | 14,454,000 | 14,990,000 | 14,119,000 |
| Equity capital | 8,242,000 | 8,230,000 | 8,296,000 | 8,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,767,000 | 2,687,000 | 3,679,000 |
| Interest expense | 168,000 | 320,000 | 465,000 | 608,000 |
| Net interest income | 722,000 | 1,447,000 | 2,222,000 | 3,071,000 |
| Noninterest income | 253,000 | 533,000 | 845,000 | 1,154,000 |
| Noninterest expense | 583,000 | 1,220,000 | 1,827,000 | 2,455,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 392,000 | 760,000 | 1,240,000 | 1,670,000 |
| Income tax | 125,000 | 255,000 | 400,000 | 546,000 |
| Net income | 267,000 | 505,000 | 840,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,083,000 | 8,071,000 | 8,157,000 | 8,041,000 |
| Total capital | 8,656,000 | 8,665,000 | 8,780,000 | 8,671,000 |
| Risk-weighted assets | 45,765,000 | 47,501,000 | 55,524,000 | 50,294,000 |