Call reports 2005
PREMIER BANK — 2005
What PREMIER 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 | 132,134,000 | 117,860,000 | 115,116,000 | 107,339,000 |
| Total loans | 89,311,000 | 84,335,000 | 80,856,000 | 75,589,000 |
| Allowance for loan losses | 1,146,000 | 1,261,000 | 1,237,000 | 935,000 |
| Securities available for sale | 18,918,000 | 20,528,000 | 20,158,000 | 17,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,212,000 | 92,767,000 | 89,945,000 | 79,909,000 |
| Interest-bearing deposits | 86,771,000 | 76,978,000 | 72,707,000 | 64,347,000 |
| Noninterest-bearing deposits | 16,441,000 | 15,789,000 | 17,238,000 | 15,562,000 |
| Equity capital | 11,496,000 | 11,761,000 | 11,699,000 | 11,643,000 |
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 | 2,044,000 | 4,035,000 | 5,966,000 | 8,053,000 |
| Interest expense | 723,000 | 1,469,000 | 2,188,000 | 2,943,000 |
| Net interest income | 1,321,000 | 2,566,000 | 3,778,000 | 5,110,000 |
| Noninterest income | 1,165,000 | 2,323,000 | 3,296,000 | 4,080,000 |
| Noninterest expense | 1,741,000 | 3,528,000 | 5,194,000 | 6,780,000 |
| Provision for loan losses | 146,000 | 266,000 | 356,000 | 431,000 |
| Pretax income | 568,000 | 1,089,000 | 1,518,000 | 1,848,000 |
| Income tax | 259,000 | 429,000 | 574,000 | 674,000 |
| Net income | 309,000 | 660,000 | 944,000 | 1,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,558,000 | 11,734,000 | 11,743,000 | 11,772,000 |
| Total capital | 12,704,000 | 12,920,000 | 12,887,000 | 12,707,000 |
| Risk-weighted assets | 96,787,000 | 94,034,000 | 92,551,000 | 86,446,000 |