Call reports 2006
PREMIER SERVICE BANK — 2006
What PREMIER SERVICE BANK 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 | 122,989,000 | 132,573,000 | 138,942,000 | 136,953,000 |
| Total loans | 81,729,000 | 86,614,000 | 94,278,000 | 95,559,000 |
| Allowance for loan losses | 975,000 | 1,010,000 | 1,051,000 | 1,105,000 |
| Securities available for sale | 16,337,000 | 15,756,000 | 15,615,000 | 14,273,000 |
| Securities held to maturity | 6,417,000 | 6,343,000 | 6,284,000 | 7,828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,238,000 | 121,194,000 | 126,719,000 | 124,498,000 |
| Interest-bearing deposits | 65,173,000 | 74,137,000 | 78,587,000 | 78,663,000 |
| Noninterest-bearing deposits | 47,065,000 | 47,057,000 | 48,132,000 | 45,835,000 |
| Equity capital | 10,388,000 | 10,844,000 | 11,563,000 | 11,820,000 |
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 | 1,934,000 | 4,048,000 | 6,351,000 | 8,747,000 |
| Interest expense | 280,000 | 721,000 | 1,321,000 | 1,934,000 |
| Net interest income | 1,654,000 | 3,327,000 | 5,030,000 | 6,813,000 |
| Noninterest income | 135,000 | 272,000 | 440,000 | 593,000 |
| Noninterest expense | 1,375,000 | 2,740,000 | 4,197,000 | 5,681,000 |
| Provision for loan losses | 166,000 | 202,000 | 242,000 | 296,000 |
| Pretax income | 248,000 | 657,000 | 1,031,000 | 1,429,000 |
| Income tax | -89,000 | -164,000 | -290,000 | -110,000 |
| Net income | 337,000 | 821,000 | 1,321,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,645,000 | 11,177,000 | 11,708,000 | 11,954,000 |
| Total capital | 11,696,000 | 12,273,000 | 12,847,000 | 13,138,000 |
| Risk-weighted assets | 89,799,000 | 100,643,000 | 107,795,000 | 107,816,000 |