Call reports 2009
PREMIER COMMUNITY BANK OF FLORIDA — 2009
What PREMIER COMMUNITY BANK OF FLORIDA 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 | 49,993,000 | 55,655,000 | 56,485,000 | 61,420,000 |
| Total loans | 31,170,000 | 36,202,000 | 42,773,000 | 47,968,000 |
| Allowance for loan losses | 293,000 | 354,000 | 656,000 | 915,000 |
| Securities available for sale | 9,189,000 | 8,464,000 | 8,005,000 | 7,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,652,000 | 47,517,000 | 44,157,000 | 48,924,000 |
| Interest-bearing deposits | 40,579,000 | 44,480,000 | 42,623,000 | 46,718,000 |
| Noninterest-bearing deposits | 1,073,000 | 3,037,000 | 1,534,000 | 2,206,000 |
| Equity capital | 8,131,000 | 7,904,000 | 7,647,000 | 7,412,000 |
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 | 531,000 | 1,179,000 | 1,887,000 | 2,675,000 |
| Interest expense | 324,000 | 677,000 | 997,000 | 1,293,000 |
| Net interest income | 207,000 | 502,000 | 890,000 | 1,382,000 |
| Noninterest income | 4,000 | 9,000 | 14,000 | 18,000 |
| Noninterest expense | 519,000 | 1,069,000 | 1,612,000 | 2,222,000 |
| Provision for loan losses | 63,000 | 124,000 | 426,000 | 685,000 |
| Pretax income | -371,000 | -682,000 | -979,000 | -1,352,000 |
| Income tax | -139,000 | -255,000 | -366,000 | -499,000 |
| Net income | -232,000 | -427,000 | -613,000 | -853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,279,000 | 6,969,000 | 6,671,000 | 6,343,000 |
| Total capital | 7,572,000 | 7,323,000 | 7,065,000 | 6,791,000 |
| Risk-weighted assets | 36,128,000 | 38,451,000 | 39,106,000 | 43,291,000 |