Call reports 2007
PREMIER BANK — 2007
What PREMIER 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 | 93,784,000 | 93,998,000 | 94,518,000 | 93,340,000 |
| Total loans | 69,311,000 | 63,251,000 | 57,567,000 | 55,942,000 |
| Allowance for loan losses | 1,700,000 | 1,287,000 | 1,339,000 | 1,391,000 |
| Securities available for sale | 14,680,000 | 12,496,000 | 12,191,000 | 17,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,704,000 | 79,081,000 | 79,184,000 | 78,129,000 |
| Interest-bearing deposits | 62,567,000 | 65,698,000 | 64,267,000 | 63,545,000 |
| Noninterest-bearing deposits | 14,137,000 | 13,383,000 | 14,917,000 | 14,584,000 |
| Equity capital | 10,917,000 | 10,546,000 | 10,402,000 | 10,175,000 |
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 | 1,907,000 | 3,643,000 | 5,368,000 | 6,875,000 |
| Interest expense | 858,000 | 1,704,000 | 2,549,000 | 3,377,000 |
| Net interest income | 1,049,000 | 1,939,000 | 2,819,000 | 3,498,000 |
| Noninterest income | 752,000 | 1,265,000 | 1,710,000 | 2,167,000 |
| Noninterest expense | 1,730,000 | 3,570,000 | 5,261,000 | 7,054,000 |
| Provision for loan losses | 10,000 | 10,000 | 25,000 | 40,000 |
| Pretax income | 74,000 | -363,000 | -744,000 | -1,416,000 |
| Income tax | 3,000 | -179,000 | -338,000 | -605,000 |
| Net income | 71,000 | -184,000 | -406,000 | -811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,995,000 | 10,740,000 | 10,518,000 | 9,620,000 |
| Total capital | 11,956,000 | 11,667,000 | 11,397,000 | 10,460,000 |
| Risk-weighted assets | 76,167,000 | 73,791,000 | 69,838,000 | 66,608,000 |