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 | 1,645,145,000 | 1,642,052,000 | 1,653,042,000 | 1,651,789,000 |
| Total loans | 1,260,944,000 | 1,290,521,000 | 1,304,800,000 | 1,291,843,000 |
| Allowance for loan losses | 25,241,000 | 27,435,000 | 28,715,000 | 28,848,000 |
| Securities available for sale | 229,516,000 | 226,468,000 | 229,593,000 | 263,155,000 |
| Securities held to maturity | 14,012,000 | 70,000 | 37,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,442,813,000 | 1,461,538,000 | 1,459,939,000 | 1,466,808,000 |
| Interest-bearing deposits | 1,386,373,000 | 1,403,824,000 | 1,400,516,000 | 1,404,658,000 |
| Noninterest-bearing deposits | 56,440,000 | 57,714,000 | 59,423,000 | 62,150,000 |
| Equity capital | 149,521,000 | 149,587,000 | 155,173,000 | 154,103,000 |
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 | 23,162,000 | 46,282,000 | 68,890,000 | 90,999,000 |
| Interest expense | 6,674,000 | 13,088,000 | 19,052,000 | 24,669,000 |
| Net interest income | 16,488,000 | 33,194,000 | 49,838,000 | 66,330,000 |
| Noninterest income | 4,792,000 | 10,068,000 | 13,841,000 | 18,558,000 |
| Noninterest expense | 11,188,000 | 23,487,000 | 33,529,000 | 44,736,000 |
| Provision for loan losses | 804,000 | 2,947,000 | 3,886,000 | 4,630,000 |
| Pretax income | 9,289,000 | 16,835,000 | 26,271,000 | 35,529,000 |
| Income tax | 3,202,000 | 5,641,000 | 8,923,000 | 12,095,000 |
| Net income | 6,087,000 | 11,194,000 | 17,348,000 | 23,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,787,000 | 131,442,000 | 137,740,000 | 137,233,000 |
| Total capital | 149,535,000 | 148,382,000 | 155,056,000 | 154,317,000 |
| Risk-weighted assets | 1,331,330,000 | 1,344,708,000 | 1,373,852,000 | 1,354,936,000 |