Call reports 2014
PREMIER BUSINESS BANK — 2014
What PREMIER BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 180,970,000 | 186,010,000 | 209,298,000 | 219,908,000 |
| Total loans | 133,916,000 | 135,869,000 | 161,492,000 | 183,515,000 |
| Allowance for loan losses | 1,715,000 | 1,715,000 | 1,715,000 | 1,865,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,009,000 | 138,065,000 | 154,684,000 | 165,461,000 |
| Interest-bearing deposits | 112,193,000 | 110,538,000 | 117,920,000 | 135,877,000 |
| Noninterest-bearing deposits | 28,816,000 | 27,527,000 | 36,764,000 | 29,584,000 |
| Equity capital | 20,187,000 | 22,029,000 | 23,427,000 | 23,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,671,000 | 3,381,000 | 5,181,000 | 7,379,000 |
| Interest expense | 280,000 | 555,000 | 819,000 | 1,108,000 |
| Net interest income | 1,391,000 | 2,826,000 | 4,362,000 | 6,271,000 |
| Noninterest income | 136,000 | 179,000 | 270,000 | 504,000 |
| Noninterest expense | 1,346,000 | 2,672,000 | 3,985,000 | 5,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 181,000 | 333,000 | 647,000 | 1,322,000 |
| Income tax | 77,000 | 143,000 | 275,000 | 556,000 |
| Net income | 104,000 | 190,000 | 372,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,916,000 | 19,821,000 | 21,349,000 | 22,595,000 |
| Total capital | 19,502,000 | 21,452,000 | 23,109,000 | 24,505,000 |
| Risk-weighted assets | 126,721,000 | 130,376,000 | 155,323,000 | 176,106,000 |