Call reports 2006
PREMIER BANK, INC. — 2006
What PREMIER BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,089,000 | 41,971,000 | 47,108,000 | 47,101,000 |
| Total loans | 29,748,000 | 34,125,000 | 33,339,000 | 34,216,000 |
| Allowance for loan losses | 297,000 | 341,000 | 347,000 | 347,000 |
| Securities available for sale | 349,000 | 348,000 | 349,000 | 350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,119,000 | 35,246,000 | 40,593,000 | 40,801,000 |
| Interest-bearing deposits | 28,141,000 | 33,682,000 | 39,456,000 | 33,143,000 |
| Noninterest-bearing deposits | 978,000 | 1,564,000 | 1,137,000 | 7,658,000 |
| Equity capital | 4,891,000 | 6,640,000 | 6,418,000 | 6,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,199,000 | 1,948,000 | 2,733,000 |
| Interest expense | 295,000 | 648,000 | 1,044,000 | 1,467,000 |
| Net interest income | 245,000 | 551,000 | 904,000 | 1,266,000 |
| Noninterest income | 7,000 | 15,000 | 27,000 | 40,000 |
| Noninterest expense | 642,000 | 1,288,000 | 1,983,000 | 2,691,000 |
| Provision for loan losses | 3,000 | 47,000 | 53,000 | 53,000 |
| Pretax income | -393,000 | -769,000 | -1,105,000 | -1,438,000 |
| Income tax | -133,000 | -258,000 | -372,000 | -487,000 |
| Net income | -260,000 | -511,000 | -733,000 | -951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,893,000 | 6,643,000 | 6,419,000 | 6,202,000 |
| Total capital | 5,190,000 | 6,984,000 | 6,766,000 | 6,549,000 |
| Risk-weighted assets | 25,894,000 | 32,066,000 | 33,181,000 | 34,595,000 |