Call reports 2009
PREMIER BUSINESS BANK — 2009
What PREMIER BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,271,000 | 98,073,000 | 108,135,000 | 98,977,000 |
| Total loans | 56,897,000 | 72,919,000 | 82,324,000 | 83,524,000 |
| Allowance for loan losses | 713,000 | 975,000 | 1,228,000 | 1,506,000 |
| Securities available for sale | 6,044,000 | 8,931,000 | 8,877,000 | 7,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,755,000 | 84,261,000 | 92,376,000 | 84,016,000 |
| Interest-bearing deposits | 79,838,000 | 74,276,000 | 82,233,000 | 73,981,000 |
| Noninterest-bearing deposits | 5,917,000 | 9,985,000 | 10,144,000 | 10,035,000 |
| Equity capital | 13,779,000 | 12,946,000 | 12,124,000 | 11,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,637,000 | 2,873,000 | 4,211,000 |
| Interest expense | 516,000 | 981,000 | 1,410,000 | 1,788,000 |
| Net interest income | 149,000 | 656,000 | 1,463,000 | 2,423,000 |
| Noninterest income | 2,000 | 44,000 | 58,000 | 78,000 |
| Noninterest expense | 995,000 | 2,177,000 | 3,392,000 | 4,514,000 |
| Provision for loan losses | 59,000 | 345,000 | 913,000 | 1,369,000 |
| Pretax income | -903,000 | -1,822,000 | -2,784,000 | -3,382,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -903,000 | -1,822,000 | -2,784,000 | -3,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,636,000 | 12,746,000 | 11,812,000 | 11,260,000 |
| Total capital | 14,376,000 | 13,759,000 | 13,006,000 | 12,427,000 |
| Risk-weighted assets | 68,194,000 | 84,387,000 | 94,697,000 | 92,212,000 |