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 | 65,898,000 | 73,832,000 | 76,011,000 | 78,425,000 |
| Total loans | 45,641,000 | 47,347,000 | 51,556,000 | 54,886,000 |
| Allowance for loan losses | 810,000 | 846,000 | 834,000 | 888,000 |
| Securities available for sale | 10,815,000 | 12,791,000 | 12,487,000 | 12,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,305,000 | 62,944,000 | 66,602,000 | 68,831,000 |
| Interest-bearing deposits | 50,720,000 | 58,173,000 | 60,868,000 | 64,343,000 |
| Noninterest-bearing deposits | 4,585,000 | 4,771,000 | 5,734,000 | 4,488,000 |
| Equity capital | 5,883,000 | 6,052,000 | 5,974,000 | 6,237,000 |
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 | 965,000 | 1,981,000 | 3,102,000 | 4,303,000 |
| Interest expense | 427,000 | 848,000 | 1,295,000 | 1,717,000 |
| Net interest income | 538,000 | 1,133,000 | 1,807,000 | 2,586,000 |
| Noninterest income | 37,000 | 63,000 | 123,000 | 240,000 |
| Noninterest expense | 381,000 | 848,000 | 1,350,000 | 1,743,000 |
| Provision for loan losses | 167,000 | 217,000 | 313,000 | 628,000 |
| Pretax income | 102,000 | 206,000 | 342,000 | 530,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 206,000 | 342,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,791,000 | 5,895,000 | 6,032,000 | 6,220,000 |
| Total capital | 6,452,000 | 6,594,000 | 6,774,000 | 7,006,000 |
| Risk-weighted assets | 52,891,000 | 55,769,000 | 59,287,000 | 62,757,000 |