Call reports 2007
PREMIER SERVICE BANK — 2007
What PREMIER SERVICE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,985,000 | 138,693,000 | 135,730,000 | 139,305,000 |
| Total loans | 92,265,000 | 96,986,000 | 101,174,000 | 109,676,000 |
| Allowance for loan losses | 1,085,000 | 1,075,000 | 1,152,000 | 1,259,000 |
| Securities available for sale | 13,889,000 | 12,731,000 | 12,500,000 | 11,514,000 |
| Securities held to maturity | 7,618,000 | 7,407,000 | 7,397,000 | 7,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,172,000 | 125,614,000 | 112,300,000 | 109,415,000 |
| Interest-bearing deposits | 86,117,000 | 77,872,000 | 65,927,000 | 71,059,000 |
| Noninterest-bearing deposits | 49,055,000 | 47,742,000 | 46,373,000 | 38,356,000 |
| Equity capital | 12,255,000 | 12,462,000 | 12,770,000 | 13,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,364,000 | 4,727,000 | 7,053,000 | 9,440,000 |
| Interest expense | 700,000 | 1,407,000 | 2,057,000 | 2,732,000 |
| Net interest income | 1,664,000 | 3,320,000 | 4,996,000 | 6,708,000 |
| Noninterest income | 139,000 | 317,000 | 508,000 | 688,000 |
| Noninterest expense | 1,606,000 | 3,263,000 | 4,796,000 | 6,310,000 |
| Provision for loan losses | 0 | 10,000 | 87,000 | 195,000 |
| Pretax income | 197,000 | 364,000 | 621,000 | 891,000 |
| Income tax | 75,000 | 135,000 | 234,000 | 325,000 |
| Net income | 122,000 | 229,000 | 387,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,348,000 | 12,658,000 | 12,841,000 | 13,092,000 |
| Total capital | 13,512,000 | 13,817,000 | 14,077,000 | 14,431,000 |
| Risk-weighted assets | 108,303,000 | 110,328,000 | 111,658,000 | 119,469,000 |