Call reports 2013
PREMIER COMMERCIAL BANK — 2013
What PREMIER COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 159,053,000 | 159,122,000 | 158,460,000 | 180,070,000 |
| Total loans | 102,919,000 | 106,507,000 | 100,113,000 | 95,937,000 |
| Allowance for loan losses | 1,318,000 | 1,348,000 | 1,413,000 | 1,413,000 |
| Securities available for sale | 36,344,000 | 36,215,000 | 38,931,000 | 46,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 170,000 | 141,000 | 118,000 | 45,000 |
| Total deposits | 123,551,000 | 123,504,000 | 123,914,000 | 143,672,000 |
| Interest-bearing deposits | 106,007,000 | 105,012,000 | 103,890,000 | 111,078,000 |
| Noninterest-bearing deposits | 17,544,000 | 18,492,000 | 20,024,000 | 32,594,000 |
| Equity capital | 15,563,000 | 14,842,000 | 14,920,000 | 16,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,820,000 | 4,310,000 | 5,751,000 |
| Interest expense | 363,000 | 734,000 | 1,093,000 | 1,424,000 |
| Net interest income | 1,041,000 | 2,086,000 | 3,217,000 | 4,327,000 |
| Noninterest income | 696,000 | 1,617,000 | 2,356,000 | 2,904,000 |
| Noninterest expense | 1,610,000 | 3,298,000 | 4,913,000 | 6,491,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 70,000 |
| Pretax income | 137,000 | 420,000 | 645,000 | 725,000 |
| Income tax | 0 | 0 | 0 | -1,800,000 |
| Net income | 137,000 | 420,000 | 645,000 | 2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,060,000 | 15,395,000 | 15,669,000 | 16,251,000 |
| Total capital | 16,378,000 | 16,743,000 | 16,994,000 | 17,610,000 |
| Risk-weighted assets | 106,937,000 | 109,246,000 | 109,156,000 | 108,634,000 |