Call reports 2003
PINNACLE BANK — 2003
What PINNACLE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,594,000 | 135,429,000 | 136,488,000 | 132,844,000 |
| Total loans | 89,225,000 | 97,073,000 | 97,514,000 | 93,120,000 |
| Allowance for loan losses | 1,215,000 | 1,322,000 | 1,475,000 | 1,551,000 |
| Securities available for sale | 12,621,000 | 15,880,000 | 14,834,000 | 14,355,000 |
| Securities held to maturity | 3,179,000 | 1,130,000 | 627,000 | 623,000 |
| Trading assets | 1,999,000 | 0 | 0 | 0 |
| Total deposits | 110,001,000 | 112,946,000 | 116,179,000 | 112,746,000 |
| Interest-bearing deposits | 83,628,000 | 87,409,000 | 88,310,000 | 87,150,000 |
| Noninterest-bearing deposits | 26,373,000 | 25,537,000 | 27,869,000 | 25,596,000 |
| Equity capital | 18,926,000 | 18,669,000 | 19,130,000 | 18,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,943,000 | 3,703,000 | 5,730,000 | 7,659,000 |
| Interest expense | 487,000 | 606,000 | 947,000 | 1,276,000 |
| Net interest income | 1,456,000 | 3,097,000 | 4,783,000 | 6,383,000 |
| Noninterest income | 551,000 | 1,034,000 | 1,549,000 | 2,017,000 |
| Noninterest expense | 1,245,000 | 2,707,000 | 3,995,000 | 5,364,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 612,000 | 1,124,000 | 1,887,000 | 2,436,000 |
| Income tax | 206,000 | 324,000 | 580,000 | 772,000 |
| Net income | 406,000 | 800,000 | 1,307,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 10,023,000 | 10,571,000 | 10,496,000 |
| Total capital | 10,939,000 | 11,277,000 | 11,867,000 | 11,731,000 |
| Risk-weighted assets | 88,845,000 | 101,111,000 | 103,345,000 | 98,849,000 |