Call reports 2003
PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION — 2003
What PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,293,000 | 95,574,000 | 94,589,000 | 105,586,000 |
| Total loans | 34,859,000 | 42,580,000 | 50,993,000 | 61,540,000 |
| Allowance for loan losses | 340,000 | 415,000 | 490,000 | 565,000 |
| Securities available for sale | 33,417,000 | 26,655,000 | 25,364,000 | 18,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,340,000 | 86,294,000 | 85,144,000 | 95,593,000 |
| Interest-bearing deposits | 41,029,000 | 46,869,000 | 47,839,000 | 53,901,000 |
| Noninterest-bearing deposits | 43,312,000 | 39,424,000 | 37,305,000 | 41,692,000 |
| Equity capital | 8,875,000 | 9,128,000 | 9,200,000 | 9,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,539,000 | 2,450,000 | 3,518,000 |
| Interest expense | 191,000 | 386,000 | 578,000 | 782,000 |
| Net interest income | 493,000 | 1,153,000 | 1,872,000 | 2,736,000 |
| Noninterest income | 355,000 | 888,000 | 1,491,000 | 2,510,000 |
| Noninterest expense | 655,000 | 1,553,000 | 2,645,000 | 4,071,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 139,000 | 374,000 | 530,000 | 925,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 137,000 | 372,000 | 528,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,855,000 | 9,089,000 | 9,250,000 | 9,635,000 |
| Total capital | 9,195,000 | 9,504,000 | 9,740,000 | 10,200,000 |
| Risk-weighted assets | 48,502,000 | 57,028,000 | 63,796,000 | 77,525,000 |