Call reports 2009
PREMIER COMMERCIAL BANK — 2009
What PREMIER COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,123,000 | 54,819,000 | 68,614,000 | 78,963,000 |
| Total loans | 17,387,000 | 31,932,000 | 44,770,000 | 50,380,000 |
| Allowance for loan losses | 226,000 | 415,000 | 582,000 | 657,000 |
| Securities available for sale | 8,834,000 | 14,634,000 | 13,287,000 | 18,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 188,000 | 169,000 |
| Total deposits | 19,081,000 | 32,201,000 | 46,647,000 | 57,435,000 |
| Interest-bearing deposits | 17,409,000 | 30,103,000 | 42,024,000 | 52,409,000 |
| Noninterest-bearing deposits | 1,672,000 | 2,098,000 | 4,623,000 | 5,026,000 |
| Equity capital | 17,917,000 | 17,316,000 | 16,635,000 | 16,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 686,000 | 1,330,000 | 2,151,000 |
| Interest expense | 76,000 | 196,000 | 398,000 | 711,000 |
| Net interest income | 218,000 | 490,000 | 932,000 | 1,440,000 |
| Noninterest income | 3,000 | 7,000 | 124,000 | 128,000 |
| Noninterest expense | 701,000 | 1,444,000 | 2,153,000 | 2,913,000 |
| Provision for loan losses | 58,000 | 247,000 | 930,000 | 1,005,000 |
| Pretax income | -524,000 | -1,180,000 | -2,013,000 | -2,336,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -524,000 | -1,180,000 | -2,013,000 | -2,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,695,000 | 17,039,000 | 16,206,000 | 15,900,000 |
| Total capital | 17,921,000 | 17,454,000 | 16,788,000 | 16,557,000 |
| Risk-weighted assets | 23,290,000 | 42,766,000 | 53,287,000 | 58,750,000 |
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