Call reports 2005
PREMIER BANK OF THE SOUTH — 2005
What PREMIER BANK OF THE SOUTH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 117,488,000 | 121,341,000 | 121,428,000 | 119,536,000 |
| Total loans | 71,217,000 | 75,766,000 | 76,606,000 | 78,537,000 |
| Allowance for loan losses | 1,004,000 | 1,073,000 | 1,133,000 | 1,140,000 |
| Securities available for sale | 22,424,000 | 24,326,000 | 25,342,000 | 25,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,935,000 | 90,112,000 | 89,068,000 | 89,503,000 |
| Interest-bearing deposits | 72,991,000 | 75,462,000 | 71,047,000 | 73,698,000 |
| Noninterest-bearing deposits | 15,944,000 | 14,650,000 | 18,021,000 | 15,805,000 |
| Equity capital | 10,818,000 | 11,272,000 | 11,485,000 | 11,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,244,000 | 5,061,000 | 6,930,000 |
| Interest expense | 514,000 | 1,090,000 | 1,699,000 | 2,353,000 |
| Net interest income | 1,013,000 | 2,154,000 | 3,362,000 | 4,577,000 |
| Noninterest income | 250,000 | 610,000 | 910,000 | 1,169,000 |
| Noninterest expense | 830,000 | 1,677,000 | 2,585,000 | 3,526,000 |
| Provision for loan losses | 62,000 | 170,000 | 245,000 | 295,000 |
| Pretax income | 371,000 | 917,000 | 1,442,000 | 1,925,000 |
| Income tax | 108,000 | 275,000 | 438,000 | 595,000 |
| Net income | 263,000 | 642,000 | 1,004,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,996,000 | 11,291,000 | 11,566,000 | 11,800,000 |
| Total capital | 11,973,000 | 12,321,000 | 12,612,000 | 12,852,000 |
| Risk-weighted assets | 78,147,000 | 82,389,000 | 83,608,000 | 84,077,000 |