Call reports 2009
PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION — 2009
What PREMIER COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 401,561,000 | 397,719,000 | 401,782,000 | 365,924,000 |
| Total loans | 356,777,000 | 354,413,000 | 349,946,000 | 334,796,000 |
| Allowance for loan losses | 4,735,000 | 5,919,000 | 7,080,000 | 7,151,000 |
| Securities available for sale | 11,150,000 | 10,114,000 | 9,141,000 | 12,388,000 |
| Securities held to maturity | 3,625,000 | 3,625,000 | 2,987,000 | 2,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,598,000 | 303,506,000 | 316,794,000 | 298,817,000 |
| Interest-bearing deposits | 241,990,000 | 230,554,000 | 241,348,000 | 224,902,000 |
| Noninterest-bearing deposits | 73,608,000 | 72,952,000 | 75,446,000 | 73,915,000 |
| Equity capital | 37,410,000 | 37,851,000 | 37,977,000 | 38,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,160,000 | 10,273,000 | 15,251,000 | 20,050,000 |
| Interest expense | 1,753,000 | 3,312,000 | 4,714,000 | 6,078,000 |
| Net interest income | 3,407,000 | 6,961,000 | 10,537,000 | 13,972,000 |
| Noninterest income | 401,000 | 1,088,000 | 1,819,000 | 2,445,000 |
| Noninterest expense | 2,821,000 | 5,592,000 | 8,375,000 | 11,274,000 |
| Provision for loan losses | 450,000 | 1,911,000 | 3,212,000 | 4,012,000 |
| Pretax income | 537,000 | 546,000 | 822,000 | 1,184,000 |
| Income tax | 201,000 | 186,000 | 282,000 | 414,000 |
| Net income | 336,000 | 360,000 | 540,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,257,000 | 37,723,000 | 37,906,000 | 38,144,000 |
| Total capital | 42,137,000 | 42,534,000 | 42,668,000 | 42,713,000 |
| Risk-weighted assets | 390,290,000 | 383,611,000 | 378,424,000 | 362,725,000 |