Call reports 2002
PINNACLE BANK, INC — 2002
What PINNACLE BANK, INC 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 | 28,307,000 | 28,471,000 | 29,184,000 | 28,477,000 |
| Total loans | 16,460,000 | 16,530,000 | 17,074,000 | 16,679,000 |
| Allowance for loan losses | 222,000 | 220,000 | 239,000 | 201,000 |
| Securities available for sale | 5,558,000 | 5,581,000 | 4,534,000 | 5,357,000 |
| Securities held to maturity | 2,110,000 | 2,592,000 | 2,590,000 | 2,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,432,000 | 25,608,000 | 26,000,000 | 25,369,000 |
| Interest-bearing deposits | 20,496,000 | 19,984,000 | 20,963,000 | 20,095,000 |
| Noninterest-bearing deposits | 4,936,000 | 5,625,000 | 5,037,000 | 5,274,000 |
| Equity capital | 2,707,000 | 2,680,000 | 2,937,000 | 2,821,000 |
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 | 444,000 | 924,000 | 1,401,000 | 1,852,000 |
| Interest expense | 144,000 | 273,000 | 387,000 | 493,000 |
| Net interest income | 300,000 | 651,000 | 1,014,000 | 1,359,000 |
| Noninterest income | 27,000 | 52,000 | 83,000 | 103,000 |
| Noninterest expense | 225,000 | 456,000 | 706,000 | 981,000 |
| Provision for loan losses | 24,000 | 23,000 | 47,000 | 7,000 |
| Pretax income | 78,000 | 224,000 | 344,000 | 474,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 127,000 |
| Net income | 48,000 | 164,000 | 254,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,750,000 | 2,707,000 | 2,797,000 | 2,730,000 |
| Total capital | 2,972,000 | 2,927,000 | 3,036,000 | 2,931,000 |
| Risk-weighted assets | 18,826,000 | 18,855,000 | 19,193,000 | 18,786,000 |