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 | 91,645,000 | 95,566,000 | 108,626,000 | 115,383,000 |
| Total loans | 54,148,000 | 52,688,000 | 67,275,000 | 75,377,000 |
| Allowance for loan losses | 1,038,000 | 966,000 | 1,080,000 | 1,173,000 |
| Securities available for sale | 19,157,000 | 21,671,000 | 17,054,000 | 15,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,653,000 | 82,702,000 | 93,802,000 | 100,230,000 |
| Interest-bearing deposits | 72,722,000 | 76,574,000 | 85,628,000 | 93,510,000 |
| Noninterest-bearing deposits | 5,931,000 | 6,128,000 | 8,174,000 | 6,720,000 |
| Equity capital | 6,603,000 | 6,374,000 | 7,382,000 | 7,840,000 |
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 | 1,198,000 | 2,479,000 | 4,033,000 | 5,544,000 |
| Interest expense | 476,000 | 1,012,000 | 1,602,000 | 2,305,000 |
| Net interest income | 722,000 | 1,467,000 | 2,431,000 | 3,239,000 |
| Noninterest income | 150,000 | 283,000 | 394,000 | 555,000 |
| Noninterest expense | 475,000 | 1,008,000 | 1,400,000 | 1,885,000 |
| Provision for loan losses | 140,000 | 140,000 | 237,000 | 237,000 |
| Pretax income | 257,000 | 602,000 | 1,170,000 | 1,655,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 602,000 | 1,170,000 | 1,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,477,000 | 6,822,000 | 7,390,000 | 7,875,000 |
| Total capital | 7,293,000 | 7,635,000 | 8,363,000 | 8,936,000 |
| Risk-weighted assets | 65,053,000 | 64,898,000 | 77,759,000 | 84,516,000 |