Call reports 2003
PINNACLE BANK - WYOMING — 2003
What PINNACLE BANK - WYOMING 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 | 325,711,000 | 335,192,000 | 329,810,000 | 329,677,000 |
| Total loans | 211,930,000 | 222,032,000 | 226,677,000 | 236,646,000 |
| Allowance for loan losses | 3,960,000 | 3,928,000 | 3,973,000 | 3,924,000 |
| Securities available for sale | 83,639,000 | 91,391,000 | 81,392,000 | 74,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,987,000 | 290,556,000 | 287,042,000 | 287,171,000 |
| Interest-bearing deposits | 272,083,000 | 282,028,000 | 278,048,000 | 276,805,000 |
| Noninterest-bearing deposits | 7,904,000 | 8,528,000 | 8,994,000 | 10,366,000 |
| Equity capital | 27,748,000 | 26,877,000 | 27,758,000 | 25,817,000 |
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 | 4,696,000 | 9,329,000 | 13,852,000 | 18,394,000 |
| Interest expense | 1,326,000 | 2,600,000 | 3,756,000 | 4,820,000 |
| Net interest income | 3,370,000 | 6,729,000 | 10,096,000 | 13,574,000 |
| Noninterest income | 559,000 | 1,190,000 | 1,828,000 | 2,303,000 |
| Noninterest expense | 2,115,000 | 4,377,000 | 6,595,000 | 8,796,000 |
| Provision for loan losses | 80,000 | 161,000 | 242,000 | 248,000 |
| Pretax income | 1,734,000 | 3,381,000 | 5,087,000 | 6,833,000 |
| Income tax | 515,000 | 1,017,000 | 1,546,000 | 2,076,000 |
| Net income | 1,219,000 | 2,364,000 | 3,541,000 | 4,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,762,000 | 24,986,000 | 26,223,000 | 24,397,000 |
| Total capital | 28,692,000 | 28,039,000 | 29,313,000 | 27,571,000 |
| Risk-weighted assets | 233,381,000 | 243,384,000 | 246,338,000 | 253,134,000 |