Call reports 2008
PREMIER BANK — 2008
What PREMIER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 312,197,000 | 319,644,000 | 324,981,000 | 342,644,000 |
| Total loans | 167,037,000 | 185,949,000 | 192,881,000 | 197,897,000 |
| Allowance for loan losses | 1,900,000 | 1,951,000 | 2,050,000 | 2,200,000 |
| Securities available for sale | 111,829,000 | 94,555,000 | 100,258,000 | 106,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,353,000 | 228,358,000 | 219,063,000 | 228,882,000 |
| Interest-bearing deposits | 214,554,000 | 212,991,000 | 202,462,000 | 211,626,000 |
| Noninterest-bearing deposits | 12,799,000 | 15,367,000 | 16,601,000 | 17,256,000 |
| Equity capital | 20,026,000 | 17,934,000 | 15,696,000 | 17,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,936,000 | 9,980,000 | 15,207,000 | 20,556,000 |
| Interest expense | 3,115,000 | 6,072,000 | 9,167,000 | 12,382,000 |
| Net interest income | 1,821,000 | 3,908,000 | 6,040,000 | 8,174,000 |
| Noninterest income | 383,000 | 535,000 | 701,000 | 1,340,000 |
| Noninterest expense | 1,365,000 | 2,407,000 | 4,306,000 | 5,609,000 |
| Provision for loan losses | 123,000 | 473,000 | 558,000 | 2,264,000 |
| Pretax income | 879,000 | 1,750,000 | 2,074,000 | 1,835,000 |
| Income tax | 2,000 | -18,000 | -8,000 | 7,000 |
| Net income | 877,000 | 1,768,000 | 2,082,000 | 1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,646,000 | 21,011,000 | 21,249,000 | 21,595,000 |
| Total capital | 21,546,000 | 22,962,000 | 23,299,000 | 23,795,000 |
| Risk-weighted assets | 202,843,000 | 216,380,000 | 218,960,000 | 226,155,000 |