Call reports 2003
PREMIER BANK — 2003
What PREMIER BANK 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 | 139,850,000 | 152,237,000 | 165,274,000 | 184,340,000 |
| Total loans | 102,362,000 | 110,852,000 | 122,181,000 | 133,204,000 |
| Allowance for loan losses | 1,564,000 | 1,568,000 | 1,651,000 | 1,869,000 |
| Securities available for sale | 14,387,000 | 16,957,000 | 18,216,000 | 22,927,000 |
| Securities held to maturity | 1,131,000 | 1,130,000 | 1,129,000 | 929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,557,000 | 111,162,000 | 119,719,000 | 139,808,000 |
| Interest-bearing deposits | 88,994,000 | 90,480,000 | 97,280,000 | 117,666,000 |
| Noninterest-bearing deposits | 17,563,000 | 20,682,000 | 22,439,000 | 22,142,000 |
| Equity capital | 11,796,000 | 12,142,000 | 12,246,000 | 12,643,000 |
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 | 2,002,000 | 4,012,000 | 6,155,000 | 8,554,000 |
| Interest expense | 698,000 | 1,374,000 | 2,066,000 | 2,813,000 |
| Net interest income | 1,304,000 | 2,638,000 | 4,089,000 | 5,741,000 |
| Noninterest income | 315,000 | 744,000 | 1,125,000 | 1,545,000 |
| Noninterest expense | 1,176,000 | 2,399,000 | 3,665,000 | 5,192,000 |
| Provision for loan losses | 17,000 | 55,000 | 161,000 | 276,000 |
| Pretax income | 426,000 | 975,000 | 1,435,000 | 1,865,000 |
| Income tax | 144,000 | 333,000 | 489,000 | 620,000 |
| Net income | 282,000 | 642,000 | 946,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,706,000 | 12,082,000 | 12,294,000 | 12,633,000 |
| Total capital | 13,088,000 | 13,599,000 | 13,920,000 | 14,391,000 |
| Risk-weighted assets | 108,546,000 | 117,890,000 | 130,072,000 | 140,535,000 |
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