Call reports 2003
PREMIER COMMUNITY BANK — 2003
What PREMIER COMMUNITY 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 | 126,236,000 | 126,449,000 | 123,084,000 | 125,619,000 |
| Total loans | 78,095,000 | 86,857,000 | 87,163,000 | 88,842,000 |
| Allowance for loan losses | 967,000 | 1,002,000 | 1,075,000 | 970,000 |
| Securities available for sale | 34,454,000 | 26,015,000 | 23,639,000 | 23,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,310,000 | 90,392,000 | 88,902,000 | 89,333,000 |
| Interest-bearing deposits | 77,218,000 | 78,996,000 | 77,166,000 | 72,236,000 |
| Noninterest-bearing deposits | 13,092,000 | 11,396,000 | 11,736,000 | 17,097,000 |
| Equity capital | 8,121,000 | 8,649,000 | 8,496,000 | 8,949,000 |
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 | 1,678,000 | 3,258,000 | 4,868,000 | 6,535,000 |
| Interest expense | 511,000 | 970,000 | 1,410,000 | 1,826,000 |
| Net interest income | 1,167,000 | 2,288,000 | 3,458,000 | 4,709,000 |
| Noninterest income | 101,000 | 289,000 | 405,000 | 627,000 |
| Noninterest expense | 997,000 | 2,037,000 | 3,017,000 | 4,033,000 |
| Provision for loan losses | 55,000 | 115,000 | 210,000 | 270,000 |
| Pretax income | 410,000 | 754,000 | 964,000 | 1,381,000 |
| Income tax | 158,000 | 290,000 | 371,000 | 512,000 |
| Net income | 252,000 | 464,000 | 593,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,159,000 | 8,618,000 | 8,635,000 | 9,083,000 |
| Total capital | 9,126,000 | 9,620,000 | 9,710,000 | 10,053,000 |
| Risk-weighted assets | 86,045,000 | 94,950,000 | 96,145,000 | 96,120,000 |
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