Call reports 2005
PREMIER BANK — 2005
What PREMIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 425,262,000 | 446,011,000 | 480,616,000 | 504,060,000 |
| Total loans | 355,132,000 | 376,776,000 | 393,658,000 | 400,798,000 |
| Allowance for loan losses | 4,354,000 | 4,351,000 | 4,585,000 | 4,730,000 |
| Securities available for sale | 46,429,000 | 45,950,000 | 45,711,000 | 45,315,000 |
| Securities held to maturity | 909,000 | 908,000 | 908,000 | 888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,426,000 | 388,158,000 | 416,127,000 | 447,796,000 |
| Interest-bearing deposits | 351,260,000 | 354,444,000 | 372,464,000 | 407,268,000 |
| Noninterest-bearing deposits | 34,166,000 | 33,714,000 | 43,663,000 | 40,528,000 |
| Equity capital | 34,456,000 | 35,847,000 | 37,777,000 | 39,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,817,000 | 13,979,000 | 21,817,000 | 30,436,000 |
| Interest expense | 1,597,000 | 3,460,000 | 5,809,000 | 8,638,000 |
| Net interest income | 5,220,000 | 10,519,000 | 16,008,000 | 21,798,000 |
| Noninterest income | 667,000 | 1,434,000 | 2,248,000 | 2,888,000 |
| Noninterest expense | 2,475,000 | 5,019,000 | 7,454,000 | 10,626,000 |
| Provision for loan losses | -5,000 | -5,000 | 229,000 | 375,000 |
| Pretax income | 3,462,000 | 6,984,000 | 10,618,000 | 13,730,000 |
| Income tax | 1,438,000 | 2,885,000 | 4,454,000 | 5,718,000 |
| Net income | 2,024,000 | 4,099,000 | 6,164,000 | 8,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,996,000 | 36,071,000 | 38,136,000 | 39,984,000 |
| Total capital | 39,350,000 | 40,422,000 | 42,721,000 | 44,714,000 |
| Risk-weighted assets | 390,716,000 | 407,940,000 | 424,368,000 | 438,102,000 |