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 | 350,252,000 | 368,212,000 | 372,204,000 | 388,088,000 |
| Total loans | 260,983,000 | 271,973,000 | 295,288,000 | 305,984,000 |
| Allowance for loan losses | 2,948,000 | 3,641,000 | 3,929,000 | 4,003,000 |
| Securities available for sale | 56,139,000 | 57,012,000 | 53,324,000 | 51,190,000 |
| Securities held to maturity | 506,000 | 506,000 | 506,000 | 386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,147,000 | 337,932,000 | 334,434,000 | 354,539,000 |
| Interest-bearing deposits | 283,979,000 | 294,460,000 | 309,758,000 | 330,542,000 |
| Noninterest-bearing deposits | 37,168,000 | 43,472,000 | 24,676,000 | 23,997,000 |
| Equity capital | 24,763,000 | 26,173,000 | 27,351,000 | 28,671,000 |
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 | 5,372,000 | 11,056,000 | 16,982,000 | 23,004,000 |
| Interest expense | 1,313,000 | 2,633,000 | 3,911,000 | 5,191,000 |
| Net interest income | 4,059,000 | 8,423,000 | 13,071,000 | 17,813,000 |
| Noninterest income | 719,000 | 1,542,000 | 2,240,000 | 2,722,000 |
| Noninterest expense | 2,109,000 | 4,191,000 | 6,358,000 | 9,150,000 |
| Provision for loan losses | 90,000 | 784,000 | 1,071,000 | 1,186,000 |
| Pretax income | 2,578,000 | 4,989,000 | 7,900,000 | 10,283,000 |
| Income tax | 1,073,000 | 2,334,000 | 3,639,000 | 4,653,000 |
| Net income | 1,505,000 | 2,655,000 | 4,261,000 | 5,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,343,000 | 25,494,000 | 27,099,000 | 28,469,000 |
| Total capital | 27,291,000 | 29,135,000 | 31,028,000 | 32,472,000 |
| Risk-weighted assets | 296,592,000 | 315,335,000 | 339,724,000 | 346,568,000 |