Call reports 2006
PREMIER BANK OF THE SOUTH — 2006
What PREMIER BANK OF THE SOUTH 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 | 128,055,000 | 118,936,000 | 122,236,000 | 122,793,000 |
| Total loans | 79,029,000 | 81,029,000 | 77,866,000 | 80,978,000 |
| Allowance for loan losses | 1,138,000 | 1,091,000 | 1,070,000 | 824,000 |
| Securities available for sale | 23,563,000 | 22,616,000 | 22,873,000 | 22,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,424,000 | 98,975,000 | 100,094,000 | 101,769,000 |
| Interest-bearing deposits | 82,288,000 | 84,286,000 | 81,574,000 | 86,563,000 |
| Noninterest-bearing deposits | 16,136,000 | 14,689,000 | 18,520,000 | 15,206,000 |
| Equity capital | 11,780,000 | 11,868,000 | 12,375,000 | 12,469,000 |
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 | 1,905,000 | 3,974,000 | 6,024,000 | 8,088,000 |
| Interest expense | 781,000 | 1,662,000 | 2,494,000 | 3,351,000 |
| Net interest income | 1,124,000 | 2,312,000 | 3,530,000 | 4,737,000 |
| Noninterest income | 259,000 | 548,000 | 820,000 | 1,103,000 |
| Noninterest expense | 898,000 | 1,861,000 | 2,871,000 | 3,939,000 |
| Provision for loan losses | 25,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 460,000 | 950,000 | 1,430,000 | 1,852,000 |
| Income tax | 132,000 | 266,000 | 399,000 | 553,000 |
| Net income | 328,000 | 684,000 | 1,031,000 | 1,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,029,000 | 12,278,000 | 12,513,000 | 12,670,000 |
| Total capital | 13,115,000 | 13,363,000 | 13,571,000 | 13,494,000 |
| Risk-weighted assets | 86,845,000 | 86,815,000 | 84,666,000 | 86,587,000 |