Call reports 2014
PREMIER COMMERCIAL BANK — 2014
What PREMIER COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 166,075,000 | 172,502,000 | 171,641,000 | 168,705,000 |
| Total loans | 96,745,000 | 105,151,000 | 103,067,000 | 102,779,000 |
| Allowance for loan losses | 1,416,000 | 1,416,000 | 1,324,000 | 1,324,000 |
| Securities available for sale | 47,419,000 | 48,050,000 | 48,698,000 | 47,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 41,000 | 37,000 | 31,000 | 27,000 |
| Total deposits | 127,374,000 | 133,312,000 | 132,901,000 | 130,390,000 |
| Interest-bearing deposits | 107,776,000 | 113,928,000 | 113,605,000 | 108,597,000 |
| Noninterest-bearing deposits | 19,598,000 | 19,384,000 | 19,296,000 | 21,793,000 |
| Equity capital | 17,189,000 | 17,481,000 | 17,548,000 | 17,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,858,000 | 4,269,000 | 5,714,000 |
| Interest expense | 314,000 | 628,000 | 956,000 | 1,288,000 |
| Net interest income | 1,121,000 | 2,230,000 | 3,313,000 | 4,426,000 |
| Noninterest income | 577,000 | 1,270,000 | 2,335,000 | 3,240,000 |
| Noninterest expense | 1,650,000 | 3,470,000 | 5,361,000 | 7,312,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 45,000 | 37,000 | 315,000 | 382,000 |
| Income tax | 20,000 | 20,000 | 166,000 | 300,000 |
| Net income | 25,000 | 17,000 | 149,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,284,000 | 16,213,000 | 16,095,000 | 16,354,000 |
| Total capital | 17,637,000 | 17,598,000 | 17,419,000 | 17,678,000 |
| Risk-weighted assets | 108,190,000 | 110,772,000 | 110,362,000 | 111,963,000 |