Call reports 2004
PREMIER SERVICE BANK — 2004
What PREMIER SERVICE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 76,769,000 | 84,567,000 | 100,869,000 | 86,779,000 |
| Total loans | 32,794,000 | 43,972,000 | 51,636,000 | 52,250,000 |
| Allowance for loan losses | 300,000 | 440,000 | 570,000 | 645,000 |
| Securities available for sale | 4,225,000 | 6,946,000 | 8,303,000 | 7,495,000 |
| Securities held to maturity | 10,960,000 | 9,535,000 | 9,134,000 | 8,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,176,000 | 77,851,000 | 92,363,000 | 77,920,000 |
| Interest-bearing deposits | 37,480,000 | 42,799,000 | 53,737,000 | 43,023,000 |
| Noninterest-bearing deposits | 32,696,000 | 35,052,000 | 38,626,000 | 34,897,000 |
| Equity capital | 6,414,000 | 6,513,000 | 8,284,000 | 8,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,675,000 | 2,766,000 | 3,965,000 |
| Interest expense | 57,000 | 115,000 | 192,000 | 263,000 |
| Net interest income | 715,000 | 1,560,000 | 2,574,000 | 3,702,000 |
| Noninterest income | 75,000 | 178,000 | 296,000 | 415,000 |
| Noninterest expense | 844,000 | 1,716,000 | 2,595,000 | 3,481,000 |
| Provision for loan losses | 64,000 | 204,000 | 334,000 | 409,000 |
| Pretax income | -118,000 | -182,000 | -59,000 | 227,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -119,000 | -183,000 | -60,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,381,000 | 6,636,000 | 8,296,000 | 8,582,000 |
| Total capital | 6,720,000 | 7,116,000 | 8,910,000 | 9,277,000 |
| Risk-weighted assets | 43,779,000 | 52,000,000 | 61,051,000 | 57,533,000 |