Call reports 2004
PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION — 2004
What PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 109,869,000 | 128,004,000 | 148,686,000 | 167,092,000 |
| Total loans | 67,363,000 | 75,715,000 | 78,571,000 | 98,018,000 |
| Allowance for loan losses | 663,000 | 833,000 | 953,000 | 1,053,000 |
| Securities available for sale | 20,630,000 | 22,603,000 | 26,527,000 | 33,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,712,000 | 117,521,000 | 137,774,000 | 150,081,000 |
| Interest-bearing deposits | 55,729,000 | 68,191,000 | 79,931,000 | 90,758,000 |
| Noninterest-bearing deposits | 43,983,000 | 49,331,000 | 57,843,000 | 59,323,000 |
| Equity capital | 9,912,000 | 9,943,000 | 10,208,000 | 15,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,359,000 | 3,833,000 | 5,596,000 |
| Interest expense | 214,000 | 470,000 | 811,000 | 1,205,000 |
| Net interest income | 892,000 | 1,889,000 | 3,022,000 | 4,391,000 |
| Noninterest income | 919,000 | 2,294,000 | 3,319,000 | 5,313,000 |
| Noninterest expense | 1,484,000 | 3,321,000 | 5,001,000 | 7,364,000 |
| Provision for loan losses | 98,000 | 268,000 | 388,000 | 488,000 |
| Pretax income | 229,000 | 582,000 | 940,000 | 1,840,000 |
| Income tax | 0 | 169,000 | 304,000 | 667,000 |
| Net income | 229,000 | 413,000 | 636,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,860,000 | 10,039,000 | 10,255,000 | 15,813,000 |
| Total capital | 10,523,000 | 10,872,000 | 11,208,000 | 16,866,000 |
| Risk-weighted assets | 84,048,000 | 93,815,000 | 102,052,000 | 122,071,000 |
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