Call reports 2005
PREMIER SERVICE BANK — 2005
What PREMIER SERVICE BANK 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 | 91,056,000 | 105,804,000 | 118,355,000 | 118,129,000 |
| Total loans | 56,582,000 | 59,528,000 | 62,137,000 | 67,241,000 |
| Allowance for loan losses | 695,000 | 730,000 | 750,000 | 810,000 |
| Securities available for sale | 6,867,000 | 7,732,000 | 11,552,000 | 16,003,000 |
| Securities held to maturity | 7,972,000 | 6,906,000 | 6,893,000 | 6,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,154,000 | 96,173,000 | 108,566,000 | 107,735,000 |
| Interest-bearing deposits | 43,071,000 | 47,910,000 | 62,300,000 | 57,459,000 |
| Noninterest-bearing deposits | 39,083,000 | 48,263,000 | 46,266,000 | 50,276,000 |
| Equity capital | 8,673,000 | 9,127,000 | 9,497,000 | 10,066,000 |
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 | 1,220,000 | 2,577,000 | 4,140,000 | 5,910,000 |
| Interest expense | 79,000 | 194,000 | 384,000 | 638,000 |
| Net interest income | 1,141,000 | 2,383,000 | 3,756,000 | 5,272,000 |
| Noninterest income | 109,000 | 223,000 | 347,000 | 471,000 |
| Noninterest expense | 1,029,000 | 2,110,000 | 3,211,000 | 4,339,000 |
| Provision for loan losses | 50,000 | 85,000 | 105,000 | 165,000 |
| Pretax income | 171,000 | 411,000 | 787,000 | 1,239,000 |
| Income tax | -49,000 | -114,000 | -219,000 | -399,000 |
| Net income | 220,000 | 525,000 | 1,006,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,802,000 | 9,166,000 | 9,648,000 | 10,280,000 |
| Total capital | 9,550,000 | 9,944,000 | 10,464,000 | 11,161,000 |
| Risk-weighted assets | 64,146,000 | 69,175,000 | 74,145,000 | 77,853,000 |