Call reports 2005
PREMIER BANK, INC. — 2005
What PREMIER BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 23,630,000 | 34,601,000 |
| Total loans | 18,249,000 | 29,374,000 |
| Allowance for loan losses | 170,000 | 294,000 |
| Securities available for sale | 0 | 351,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 18,079,000 | 25,510,000 |
| Interest-bearing deposits | 17,537,000 | 24,903,000 |
| Noninterest-bearing deposits | 542,000 | 607,000 |
| Equity capital | 5,519,000 | 5,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 190,000 | 635,000 |
| Interest expense | 88,000 | 323,000 |
| Net interest income | 102,000 | 312,000 |
| Noninterest income | 1,000 | 7,000 |
| Noninterest expense | 660,000 | 1,306,000 |
| Provision for loan losses | 170,000 | 294,000 |
| Pretax income | -727,000 | -1,281,000 |
| Income tax | -246,000 | -434,000 |
| Net income | -481,000 | -847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 5,519,000 | 5,152,000 |
| Total capital | 5,689,000 | 5,446,000 |
| Risk-weighted assets | 14,999,000 | 25,475,000 |