Call reports 2007
PREMIER BANK — 2007
What PREMIER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 217,285,000 | 216,307,000 | 215,834,000 | 283,239,000 |
| Total loans | 151,984,000 | 151,770,000 | 149,724,000 | 166,303,000 |
| Allowance for loan losses | 2,001,000 | 1,800,000 | 1,800,000 | 1,777,000 |
| Securities available for sale | 20,622,000 | 26,218,000 | 40,224,000 | 77,213,000 |
| Securities held to maturity | 10,949,000 | 12,296,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,963,000 | 185,137,000 | 184,112,000 | 199,816,000 |
| Interest-bearing deposits | 176,873,000 | 175,212,000 | 173,130,000 | 186,948,000 |
| Noninterest-bearing deposits | 9,090,000 | 9,925,000 | 10,982,000 | 12,868,000 |
| Equity capital | 16,706,000 | 16,533,000 | 17,561,000 | 18,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,012,000 | 8,119,000 | 12,297,000 | 16,507,000 |
| Interest expense | 2,178,000 | 4,504,000 | 6,847,000 | 9,387,000 |
| Net interest income | 1,834,000 | 3,615,000 | 5,450,000 | 7,120,000 |
| Noninterest income | 252,000 | 500,000 | 726,000 | 933,000 |
| Noninterest expense | 1,246,000 | 2,334,000 | 3,394,000 | 4,622,000 |
| Provision for loan losses | 154,000 | 340,000 | 599,000 | 771,000 |
| Pretax income | 686,000 | 1,441,000 | 2,172,000 | 2,642,000 |
| Income tax | 10,000 | 16,000 | 19,000 | 0 |
| Net income | 676,000 | 1,425,000 | 2,153,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,765,000 | 17,010,000 | 17,746,000 | 18,459,000 |
| Total capital | 18,766,000 | 18,810,000 | 19,546,000 | 20,236,000 |
| Risk-weighted assets | 167,451,000 | 167,191,000 | 167,506,000 | 198,251,000 |