Call reports 2004
PREMIER BANK — 2004
What PREMIER BANK 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 | 190,329,000 | 208,775,000 | 222,862,000 | 244,676,000 |
| Total loans | 142,983,000 | 155,462,000 | 172,799,000 | 194,912,000 |
| Allowance for loan losses | 1,941,000 | 2,061,000 | 2,194,000 | 2,237,000 |
| Securities available for sale | 21,008,000 | 27,586,000 | 29,491,000 | 30,452,000 |
| Securities held to maturity | 929,000 | 928,000 | 928,000 | 2,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,903,000 | 160,129,000 | 174,762,000 | 190,482,000 |
| Interest-bearing deposits | 119,043,000 | 132,426,000 | 142,885,000 | 152,872,000 |
| Noninterest-bearing deposits | 25,860,000 | 27,703,000 | 31,877,000 | 37,610,000 |
| Equity capital | 14,401,000 | 14,504,000 | 15,226,000 | 19,365,000 |
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 | 2,490,000 | 5,209,000 | 8,145,000 | 11,355,000 |
| Interest expense | 766,000 | 1,561,000 | 2,429,000 | 3,386,000 |
| Net interest income | 1,724,000 | 3,648,000 | 5,716,000 | 7,969,000 |
| Noninterest income | 410,000 | 913,000 | 1,577,000 | 2,281,000 |
| Noninterest expense | 1,542,000 | 3,317,000 | 5,204,000 | 7,334,000 |
| Provision for loan losses | 118,000 | 239,000 | 402,000 | 621,000 |
| Pretax income | 490,000 | 1,021,000 | 1,703,000 | 2,311,000 |
| Income tax | 168,000 | 351,000 | 592,000 | 805,000 |
| Net income | 322,000 | 670,000 | 1,111,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,327,000 | 14,763,000 | 15,237,000 | 19,420,000 |
| Total capital | 16,214,000 | 16,814,000 | 17,431,000 | 21,657,000 |
| Risk-weighted assets | 149,411,000 | 164,045,000 | 178,534,000 | 199,663,000 |