Call reports 2008
PREMIER BANK ROCHESTER — 2008
What PREMIER BANK ROCHESTER reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 142,444,000 | 143,743,000 | 149,230,000 | 152,939,000 |
| Total loans | 119,674,000 | 123,913,000 | 130,981,000 | 124,418,000 |
| Allowance for loan losses | 2,182,000 | 2,446,000 | 2,669,000 | 2,869,000 |
| Securities available for sale | 7,584,000 | 7,424,000 | 7,499,000 | 7,330,000 |
| Securities held to maturity | 537,000 | 537,000 | 536,000 | 536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,654,000 | 122,850,000 | 122,306,000 | 130,145,000 |
| Interest-bearing deposits | 120,897,000 | 116,004,000 | 115,679,000 | 123,376,000 |
| Noninterest-bearing deposits | 6,757,000 | 6,846,000 | 6,627,000 | 6,769,000 |
| Equity capital | 12,814,000 | 12,316,000 | 12,582,000 | 12,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,304,000 | 6,375,000 | 8,383,000 |
| Interest expense | 1,099,000 | 2,076,000 | 2,959,000 | 3,861,000 |
| Net interest income | 1,156,000 | 2,228,000 | 3,416,000 | 4,522,000 |
| Noninterest income | 171,000 | 358,000 | 463,000 | 640,000 |
| Noninterest expense | 1,097,000 | 2,170,000 | 3,063,000 | 3,949,000 |
| Provision for loan losses | 65,000 | 608,000 | 830,000 | 1,112,000 |
| Pretax income | 190,000 | -167,000 | 11,000 | 126,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | -167,000 | 11,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,768,000 | 12,413,000 | 12,589,000 | 12,603,000 |
| Total capital | 14,400,000 | 14,077,000 | 14,335,000 | 14,305,000 |
| Risk-weighted assets | 130,025,000 | 132,344,000 | 138,566,000 | 135,232,000 |
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