Call reports 2007
PREMIER BANK, INC. — 2007
What PREMIER BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 48,776,000 | 47,408,000 |
| Total loans | 35,142,000 | 34,141,000 |
| Allowance for loan losses | 352,000 | 365,000 |
| Securities available for sale | 350,000 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 42,643,000 | 41,455,000 |
| Interest-bearing deposits | 40,764,000 | 39,425,000 |
| Noninterest-bearing deposits | 1,879,000 | 2,030,000 |
| Equity capital | 6,046,000 | 5,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Interest income | 809,000 | 1,606,000 |
| Interest expense | 432,000 | 875,000 |
| Net interest income | 377,000 | 731,000 |
| Noninterest income | 15,000 | 39,000 |
| Noninterest expense | 623,000 | 1,246,000 |
| Provision for loan losses | 4,000 | 17,000 |
| Pretax income | -235,000 | -493,000 |
| Income tax | -80,000 | -167,000 |
| Net income | -155,000 | -326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 6,046,000 | 5,876,000 |
| Total capital | 6,398,000 | 6,241,000 |
| Risk-weighted assets | 36,007,000 | 35,652,000 |