Call reports 2012
PREMIER COMMERCIAL BANK — 2012
What PREMIER COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,033,000 | 144,865,000 | 152,970,000 | 159,021,000 |
| Total loans | 82,305,000 | 90,805,000 | 98,201,000 | 102,827,000 |
| Allowance for loan losses | 1,165,000 | 1,175,000 | 1,288,000 | 1,303,000 |
| Securities available for sale | 39,056,000 | 39,453,000 | 38,962,000 | 37,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 249,000 | 238,000 | 222,000 | 195,000 |
| Total deposits | 100,296,000 | 110,014,000 | 112,382,000 | 120,731,000 |
| Interest-bearing deposits | 88,113,000 | 95,047,000 | 99,296,000 | 104,420,000 |
| Noninterest-bearing deposits | 12,183,000 | 14,967,000 | 13,086,000 | 16,311,000 |
| Equity capital | 14,963,000 | 14,989,000 | 15,352,000 | 15,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,258,000 | 2,508,000 | 3,923,000 | 5,332,000 |
| Interest expense | 358,000 | 683,000 | 1,037,000 | 1,400,000 |
| Net interest income | 900,000 | 1,825,000 | 2,886,000 | 3,932,000 |
| Noninterest income | 261,000 | 704,000 | 1,344,000 | 2,005,000 |
| Noninterest expense | 1,311,000 | 2,599,000 | 4,047,000 | 5,532,000 |
| Provision for loan losses | 0 | 50,000 | 163,000 | 178,000 |
| Pretax income | -150,000 | -60,000 | 80,000 | 302,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -150,000 | -60,000 | 80,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,269,000 | 14,410,000 | 14,601,000 | 14,873,000 |
| Total capital | 15,399,000 | 15,585,000 | 15,889,000 | 16,176,000 |
| Risk-weighted assets | 90,328,000 | 98,264,000 | 104,978,000 | 107,200,000 |