Call reports 2007
PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION — 2007
What PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 333,337,000 | 339,263,000 | 339,591,000 | 356,028,000 |
| Total loans | 266,996,000 | 281,771,000 | 291,273,000 | 296,151,000 |
| Allowance for loan losses | 3,185,000 | 3,360,000 | 3,560,000 | 3,560,000 |
| Securities available for sale | 13,421,000 | 11,373,000 | 9,454,000 | 9,280,000 |
| Securities held to maturity | 5,852,000 | 5,852,000 | 5,438,000 | 5,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,415,000 | 297,409,000 | 303,647,000 | 303,583,000 |
| Interest-bearing deposits | 277,070,000 | 192,222,000 | 220,963,000 | 217,466,000 |
| Noninterest-bearing deposits | 23,345,000 | 105,187,000 | 82,684,000 | 86,117,000 |
| Equity capital | 29,915,000 | 30,854,000 | 31,670,000 | 32,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,661,000 | 11,497,000 | 17,547,000 | 23,207,000 |
| Interest expense | 2,236,000 | 4,497,000 | 7,036,000 | 9,532,000 |
| Net interest income | 3,425,000 | 7,000,000 | 10,511,000 | 13,675,000 |
| Noninterest income | 1,086,000 | 2,194,000 | 3,177,000 | 4,546,000 |
| Noninterest expense | 3,298,000 | 6,685,000 | 10,034,000 | 13,203,000 |
| Provision for loan losses | 125,000 | 300,000 | 500,000 | 500,000 |
| Pretax income | 1,101,000 | 2,222,000 | 3,167,000 | 4,531,000 |
| Income tax | 443,000 | 889,000 | 1,264,000 | 1,811,000 |
| Net income | 658,000 | 1,333,000 | 1,903,000 | 2,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,985,000 | 30,917,000 | 31,685,000 | 32,504,000 |
| Total capital | 33,299,000 | 34,402,000 | 35,365,000 | 36,209,000 |
| Risk-weighted assets | 313,332,000 | 326,994,000 | 336,151,000 | 339,101,000 |