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 | 227,467,000 | 220,916,000 | 207,677,000 | 208,478,000 |
| Total loans | 124,525,000 | 118,926,000 | 112,037,000 | 108,372,000 |
| Allowance for loan losses | 1,365,000 | 1,442,000 | 1,529,000 | 1,467,000 |
| Securities available for sale | 84,967,000 | 75,514,000 | 78,065,000 | 83,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,570,000 | 190,120,000 | 183,499,000 | 184,823,000 |
| Interest-bearing deposits | 182,857,000 | 180,920,000 | 173,983,000 | 173,948,000 |
| Noninterest-bearing deposits | 10,713,000 | 9,200,000 | 9,516,000 | 10,875,000 |
| Equity capital | 18,670,000 | 19,311,000 | 18,721,000 | 18,980,000 |
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 | 2,973,000 | 5,905,000 | 8,735,000 | 11,460,000 |
| Interest expense | 1,114,000 | 2,148,000 | 3,065,000 | 3,910,000 |
| Net interest income | 1,859,000 | 3,757,000 | 5,670,000 | 7,550,000 |
| Noninterest income | 564,000 | 1,138,000 | 1,829,000 | 2,271,000 |
| Noninterest expense | 1,361,000 | 2,751,000 | 4,155,000 | 5,562,000 |
| Provision for loan losses | 268,000 | 535,000 | 882,000 | 963,000 |
| Pretax income | 1,079,000 | 1,985,000 | 2,852,000 | 3,696,000 |
| Income tax | 375,000 | 685,000 | 981,000 | 1,268,000 |
| Net income | 704,000 | 1,300,000 | 1,871,000 | 2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,992,000 | 18,431,000 | 18,846,000 | 18,087,000 |
| Total capital | 19,357,000 | 19,873,000 | 20,360,000 | 19,554,000 |
| Risk-weighted assets | 130,265,000 | 125,288,000 | 121,128,000 | 120,433,000 |