Call reports 2005
PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION — 2005
What PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 184,246,000 | 222,182,000 | 241,825,000 | 277,783,000 |
| Total loans | 122,157,000 | 134,152,000 | 170,653,000 | 184,187,000 |
| Allowance for loan losses | 1,200,000 | 1,424,000 | 1,739,000 | 1,889,000 |
| Securities available for sale | 32,042,000 | 24,336,000 | 23,927,000 | 23,862,000 |
| Securities held to maturity | 4,612,000 | 6,058,000 | 5,948,000 | 6,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,543,000 | 204,602,000 | 222,259,000 | 254,674,000 |
| Interest-bearing deposits | 100,206,000 | 106,136,000 | 108,792,000 | 144,141,000 |
| Noninterest-bearing deposits | 67,337,000 | 98,466,000 | 113,467,000 | 110,533,000 |
| Equity capital | 15,870,000 | 16,352,000 | 17,406,000 | 20,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,631,000 | 7,676,000 | 11,419,000 |
| Interest expense | 469,000 | 1,060,000 | 1,746,000 | 2,598,000 |
| Net interest income | 1,669,000 | 3,571,000 | 5,930,000 | 8,821,000 |
| Noninterest income | 926,000 | 1,597,000 | 2,747,000 | 3,498,000 |
| Noninterest expense | 1,978,000 | 3,734,000 | 5,939,000 | 8,275,000 |
| Provision for loan losses | 147,000 | 372,000 | 687,000 | 837,000 |
| Pretax income | 470,000 | 1,062,000 | 2,051,000 | 3,209,000 |
| Income tax | 160,000 | 369,000 | 712,000 | 1,279,000 |
| Net income | 310,000 | 693,000 | 1,339,000 | 1,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,071,000 | 16,453,000 | 17,593,000 | 21,155,000 |
| Total capital | 17,274,000 | 17,890,000 | 19,372,000 | 23,092,000 |
| Risk-weighted assets | 147,385,000 | 168,264,000 | 203,604,000 | 230,626,000 |