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 | 87,094,000 | 91,499,000 | 90,771,000 | 94,199,000 |
| Total loans | 54,711,000 | 55,890,000 | 56,924,000 | 56,053,000 |
| Allowance for loan losses | 426,000 | 423,000 | 427,000 | 403,000 |
| Securities available for sale | 21,803,000 | 26,320,000 | 24,751,000 | 27,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,872,000 | 69,818,000 | 68,963,000 | 73,034,000 |
| Interest-bearing deposits | 57,887,000 | 58,976,000 | 58,551,000 | 62,365,000 |
| Noninterest-bearing deposits | 9,985,000 | 10,842,000 | 10,412,000 | 10,669,000 |
| Equity capital | 6,370,000 | 6,665,000 | 6,310,000 | 6,268,000 |
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 | 1,040,000 | 2,057,000 | 3,154,000 | 4,411,000 |
| Interest expense | 469,000 | 966,000 | 1,464,000 | 1,969,000 |
| Net interest income | 571,000 | 1,091,000 | 1,690,000 | 2,442,000 |
| Noninterest income | 122,000 | 317,000 | 523,000 | 622,000 |
| Noninterest expense | 651,000 | 1,267,000 | 1,899,000 | 2,562,000 |
| Provision for loan losses | -92,000 | -92,000 | -94,000 | -94,000 |
| Pretax income | 209,000 | 308,000 | 483,000 | 671,000 |
| Income tax | 13,000 | 17,000 | 25,000 | 33,000 |
| Net income | 196,000 | 291,000 | 458,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,350,000 | 6,444,000 | 6,578,000 | 6,637,000 |
| Total capital | 6,776,000 | 6,867,000 | 7,005,000 | 7,040,000 |
| Risk-weighted assets | 61,461,000 | 52,464,000 | 54,542,000 | 54,008,000 |