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 | 10,294,000 | 12,364,000 | 15,638,000 | 21,537,000 |
| Total loans | 4,267,000 | 7,964,000 | 14,015,000 | 18,444,000 |
| Allowance for loan losses | 40,000 | 76,000 | 140,000 | 185,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,928,000 | 8,068,000 | 11,428,000 | 17,367,000 |
| Interest-bearing deposits | 4,534,000 | 6,165,000 | 9,041,000 | 13,797,000 |
| Noninterest-bearing deposits | 1,394,000 | 1,903,000 | 2,387,000 | 3,570,000 |
| Equity capital | 4,345,000 | 4,289,000 | 4,190,000 | 4,079,000 |
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 | 73,000 | 189,000 | 376,000 | 668,000 |
| Interest expense | 16,000 | 39,000 | 72,000 | 124,000 |
| Net interest income | 57,000 | 150,000 | 304,000 | 544,000 |
| Noninterest income | 20,000 | 49,000 | 59,000 | 76,000 |
| Noninterest expense | 212,000 | 438,000 | 637,000 | 960,000 |
| Provision for loan losses | 12,000 | 47,000 | 111,000 | 156,000 |
| Pretax income | -147,000 | -286,000 | -385,000 | -496,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -147,000 | -286,000 | -385,000 | -496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,345,000 | 4,289,000 | 4,190,000 | 4,079,000 |
| Total capital | 4,385,000 | 4,365,000 | 4,330,000 | 4,264,000 |
| Risk-weighted assets | 5,622,000 | 8,890,000 | 14,485,000 | 18,840,000 |