Call reports 2004
PREMIER BANK — 2004
What PREMIER 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 | 126,448,000 | 123,199,000 | 132,543,000 | 131,668,000 |
| Total loans | 85,125,000 | 91,335,000 | 90,999,000 | 93,007,000 |
| Allowance for loan losses | 986,000 | 1,035,000 | 1,100,000 | 1,019,000 |
| Securities available for sale | 16,693,000 | 14,812,000 | 14,506,000 | 14,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,008,000 | 91,593,000 | 100,128,000 | 102,755,000 |
| Interest-bearing deposits | 72,093,000 | 71,790,000 | 84,710,000 | 88,561,000 |
| Noninterest-bearing deposits | 20,915,000 | 19,803,000 | 15,418,000 | 14,194,000 |
| Equity capital | 11,090,000 | 11,097,000 | 11,556,000 | 11,456,000 |
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 | 1,736,000 | 3,370,000 | 5,095,000 | 7,075,000 |
| Interest expense | 561,000 | 1,102,000 | 1,729,000 | 2,422,000 |
| Net interest income | 1,175,000 | 2,268,000 | 3,366,000 | 4,653,000 |
| Noninterest income | 1,222,000 | 2,357,000 | 3,741,000 | 4,850,000 |
| Noninterest expense | 1,704,000 | 3,350,000 | 5,308,000 | 6,949,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 454,000 |
| Pretax income | 630,000 | 1,086,000 | 1,535,000 | 2,061,000 |
| Income tax | 231,000 | 398,000 | 528,000 | 647,000 |
| Net income | 399,000 | 688,000 | 1,007,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,834,000 | 11,123,000 | 11,442,000 | 11,399,000 |
| Total capital | 11,820,000 | 12,158,000 | 12,542,000 | 12,418,000 |
| Risk-weighted assets | 89,409,000 | 92,167,000 | 96,857,000 | 96,327,000 |