Call reports 2003
PREMIER BANK — 2003
What PREMIER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 123,709,000 | 126,340,000 | 126,750,000 | 135,857,000 |
| Total loans | 82,108,000 | 88,290,000 | 93,201,000 | 88,917,000 |
| Allowance for loan losses | 825,000 | 955,000 | 1,202,000 | 996,000 |
| Securities available for sale | 29,126,000 | 23,005,000 | 22,589,000 | 21,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,296,000 | 90,907,000 | 92,150,000 | 99,953,000 |
| Interest-bearing deposits | 74,059,000 | 70,916,000 | 69,379,000 | 77,443,000 |
| Noninterest-bearing deposits | 18,237,000 | 19,991,000 | 22,771,000 | 22,510,000 |
| Equity capital | 8,804,000 | 9,224,000 | 9,413,000 | 10,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,502,000 | 5,299,000 | 7,096,000 |
| Interest expense | 693,000 | 1,344,000 | 1,918,000 | 2,499,000 |
| Net interest income | 1,011,000 | 2,158,000 | 3,381,000 | 4,597,000 |
| Noninterest income | 947,000 | 2,188,000 | 3,666,000 | 5,294,000 |
| Noninterest expense | 1,541,000 | 3,184,000 | 4,883,000 | 6,836,000 |
| Provision for loan losses | 55,000 | 253,000 | 620,000 | 1,222,000 |
| Pretax income | 485,000 | 1,053,000 | 1,688,000 | 1,791,000 |
| Income tax | 164,000 | 357,000 | 577,000 | 667,000 |
| Net income | 321,000 | 696,000 | 1,111,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,632,000 | 9,008,000 | 9,422,000 | 10,435,000 |
| Total capital | 9,457,000 | 9,963,000 | 10,499,000 | 11,431,000 |
| Risk-weighted assets | 78,149,000 | 82,880,000 | 86,005,000 | 91,806,000 |