Call reports 2010
PREMIER COMMUNITY BANK OF FLORIDA — 2010
What PREMIER COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 68,805,000 | 74,547,000 | 81,504,000 | 83,107,000 |
| Total loans | 49,627,000 | 55,052,000 | 63,391,000 | 61,799,000 |
| Allowance for loan losses | 728,000 | 747,000 | 840,000 | 869,000 |
| Securities available for sale | 9,094,000 | 6,441,000 | 7,396,000 | 10,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,447,000 | 67,068,000 | 73,391,000 | 75,144,000 |
| Interest-bearing deposits | 58,813,000 | 64,197,000 | 70,974,000 | 72,496,000 |
| Noninterest-bearing deposits | 2,634,000 | 2,871,000 | 2,417,000 | 2,648,000 |
| Equity capital | 7,261,000 | 7,300,000 | 8,003,000 | 7,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,752,000 | 2,767,000 | 3,820,000 |
| Interest expense | 295,000 | 592,000 | 896,000 | 1,196,000 |
| Net interest income | 529,000 | 1,160,000 | 1,871,000 | 2,624,000 |
| Noninterest income | 4,000 | 11,000 | 19,000 | 29,000 |
| Noninterest expense | 692,000 | 1,425,000 | 2,070,000 | 2,787,000 |
| Provision for loan losses | 75,000 | 119,000 | 219,000 | 248,000 |
| Pretax income | -139,000 | -247,000 | -179,000 | -162,000 |
| Income tax | -53,000 | -97,000 | -71,000 | -60,000 |
| Net income | -86,000 | -150,000 | -108,000 | -102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,197,000 | 6,070,000 | 7,084,000 | 7,196,000 |
| Total capital | 6,631,000 | 6,541,000 | 7,655,000 | 7,796,000 |
| Risk-weighted assets | 47,185,000 | 51,219,000 | 56,879,000 | 55,613,000 |