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 | 348,259,000 | 403,177,000 | 440,645,000 | 497,959,000 |
| Total loans | 229,633,000 | 257,760,000 | 281,922,000 | 298,587,000 |
| Allowance for loan losses | 2,860,000 | 3,189,000 | 3,492,000 | 3,719,000 |
| Securities available for sale | 92,478,000 | 99,968,000 | 115,421,000 | 139,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,172,000 | 312,079,000 | 347,440,000 | 399,678,000 |
| Interest-bearing deposits | 231,400,000 | 260,984,000 | 292,185,000 | 338,881,000 |
| Noninterest-bearing deposits | 38,772,000 | 51,095,000 | 55,255,000 | 60,796,000 |
| Equity capital | 28,860,000 | 30,585,000 | 32,947,000 | 35,039,000 |
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 | 3,946,000 | 8,315,000 | 13,018,000 | 18,261,000 |
| Interest expense | 1,319,000 | 2,714,000 | 4,036,000 | 5,387,000 |
| Net interest income | 2,627,000 | 5,601,000 | 8,982,000 | 12,874,000 |
| Noninterest income | 444,000 | 1,205,000 | 2,115,000 | 3,039,000 |
| Noninterest expense | 2,238,000 | 4,900,000 | 7,758,000 | 11,025,000 |
| Provision for loan losses | 288,000 | 635,000 | 953,000 | 1,157,000 |
| Pretax income | 563,000 | 1,405,000 | 2,634,000 | 3,979,000 |
| Income tax | 193,000 | 497,000 | 938,000 | 1,425,000 |
| Net income | 370,000 | 908,000 | 1,696,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,461,000 | 29,499,000 | 33,030,000 | 34,888,000 |
| Total capital | 31,331,000 | 32,698,000 | 36,531,000 | 38,617,000 |
| Risk-weighted assets | 270,002,000 | 306,331,000 | 346,714,000 | 374,326,000 |