Call reports 2003
PINNACLE BANK, INC — 2003
What PINNACLE BANK, INC 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 | 29,200,000 | 30,269,000 | 30,329,000 | 29,776,000 |
| Total loans | 16,799,000 | 17,170,000 | 17,624,000 | 17,355,000 |
| Allowance for loan losses | 222,000 | 201,000 | 218,000 | 201,000 |
| Securities available for sale | 4,452,000 | 4,324,000 | 4,705,000 | 4,277,000 |
| Securities held to maturity | 2,860,000 | 3,605,000 | 3,788,000 | 3,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,075,000 | 27,078,000 | 27,165,000 | 26,837,000 |
| Interest-bearing deposits | 19,932,000 | 19,954,000 | 20,017,000 | 20,261,000 |
| Noninterest-bearing deposits | 6,143,000 | 7,124,000 | 7,148,000 | 6,576,000 |
| Equity capital | 2,910,000 | 2,984,000 | 2,932,000 | 2,765,000 |
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 | 438,000 | 882,000 | 1,352,000 | 1,797,000 |
| Interest expense | 96,000 | 181,000 | 266,000 | 346,000 |
| Net interest income | 342,000 | 701,000 | 1,086,000 | 1,451,000 |
| Noninterest income | 25,000 | 52,000 | 80,000 | 174,000 |
| Noninterest expense | 224,000 | 466,000 | 714,000 | 987,000 |
| Provision for loan losses | 24,000 | 7,000 | 31,000 | 44,000 |
| Pretax income | 119,000 | 280,000 | 421,000 | 612,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 163,000 |
| Net income | 89,000 | 220,000 | 331,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,821,000 | 2,709,000 | 2,821,000 | 2,699,000 |
| Total capital | 3,043,000 | 2,910,000 | 3,039,000 | 2,900,000 |
| Risk-weighted assets | 19,056,000 | 19,809,000 | 19,958,000 | 19,165,000 |