Call reports 2015
PREMIER BUSINESS BANK — 2015
What PREMIER BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 239,423,000 | 252,023,000 | 265,321,000 | 275,047,000 |
| Total loans | 203,531,000 | 212,783,000 | 225,812,000 | 237,672,000 |
| Allowance for loan losses | 1,965,000 | 2,100,000 | 2,100,000 | 2,120,000 |
| Securities available for sale | 0 | 0 | 0 | 1,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,496,000 | 180,730,000 | 193,956,000 | 188,470,000 |
| Interest-bearing deposits | 138,329,000 | 145,971,000 | 152,728,000 | 145,397,000 |
| Noninterest-bearing deposits | 36,167,000 | 34,759,000 | 41,228,000 | 43,073,000 |
| Equity capital | 24,143,000 | 24,873,000 | 25,325,000 | 25,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 5,096,000 | 7,882,000 | 10,832,000 |
| Interest expense | 340,000 | 724,000 | 1,144,000 | 1,591,000 |
| Net interest income | 2,015,000 | 4,372,000 | 6,738,000 | 9,241,000 |
| Noninterest income | 230,000 | 699,000 | 831,000 | 895,000 |
| Noninterest expense | 1,453,000 | 2,900,000 | 4,415,000 | 6,159,000 |
| Provision for loan losses | 100,000 | 235,000 | 235,000 | 255,000 |
| Pretax income | 692,000 | 1,936,000 | 2,919,000 | 3,722,000 |
| Income tax | 286,000 | 800,000 | 1,206,000 | 1,539,000 |
| Net income | 406,000 | 1,136,000 | 1,713,000 | 2,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,602,000 | 24,333,000 | 24,783,000 | 25,254,000 |
| Total capital | 25,612,000 | 26,478,000 | 26,928,000 | 27,419,000 |
| Risk-weighted assets | 193,309,000 | 199,997,000 | 208,857,000 | 220,288,000 |