Call reports 2012
PREMIER BANK OF THE SOUTH — 2012
What PREMIER BANK OF THE SOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 149,725,000 | 147,444,000 | 142,233,000 | 143,746,000 |
| Total loans | 99,185,000 | 99,027,000 | 99,215,000 | 99,765,000 |
| Allowance for loan losses | 1,497,000 | 2,507,000 | 2,555,000 | 2,526,000 |
| Securities available for sale | 24,827,000 | 24,868,000 | 21,196,000 | 23,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,021,000 | 133,526,000 | 127,930,000 | 129,009,000 |
| Interest-bearing deposits | 113,184,000 | 109,445,000 | 103,496,000 | 103,975,000 |
| Noninterest-bearing deposits | 21,837,000 | 24,081,000 | 24,434,000 | 25,034,000 |
| Equity capital | 13,461,000 | 12,753,000 | 13,024,000 | 13,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,622,000 | 5,412,000 | 7,136,000 |
| Interest expense | 190,000 | 374,000 | 543,000 | 686,000 |
| Net interest income | 1,630,000 | 3,248,000 | 4,869,000 | 6,450,000 |
| Noninterest income | 430,000 | 815,000 | 1,207,000 | 1,606,000 |
| Noninterest expense | 1,398,000 | 2,639,000 | 4,041,000 | 5,422,000 |
| Provision for loan losses | 225,000 | 1,305,000 | 1,380,000 | 1,410,000 |
| Pretax income | 437,000 | 119,000 | 655,000 | 1,224,000 |
| Income tax | 28,000 | 8,000 | 43,000 | 25,000 |
| Net income | 409,000 | 111,000 | 612,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,529,000 | 12,648,000 | 12,908,000 | 13,429,000 |
| Total capital | 14,794,000 | 13,920,000 | 14,161,000 | 14,701,000 |
| Risk-weighted assets | 101,561,000 | 100,492,000 | 98,952,000 | 100,501,000 |