Call reports 2005
PREMIERBANK — 2005
What PREMIERBANK 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 | 212,303,000 | 212,436,000 | 213,890,000 | 224,647,000 |
| Total loans | 118,292,000 | 120,932,000 | 127,231,000 | 126,545,000 |
| Allowance for loan losses | 1,378,000 | 1,376,000 | 1,366,000 | 1,267,000 |
| Securities available for sale | 61,976,000 | 57,981,000 | 57,222,000 | 54,285,000 |
| Securities held to maturity | 2,877,000 | 2,594,000 | 2,578,000 | 2,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,090,000 | 162,298,000 | 165,503,000 | 171,065,000 |
| Interest-bearing deposits | 128,748,000 | 124,540,000 | 127,353,000 | 134,183,000 |
| Noninterest-bearing deposits | 36,342,000 | 37,758,000 | 38,150,000 | 36,882,000 |
| Equity capital | 33,976,000 | 34,649,000 | 35,680,000 | 35,391,000 |
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 | 2,462,000 | 5,006,000 | 7,690,000 | 10,416,000 |
| Interest expense | 438,000 | 898,000 | 1,411,000 | 1,981,000 |
| Net interest income | 2,024,000 | 4,108,000 | 6,279,000 | 8,435,000 |
| Noninterest income | 688,000 | 1,359,000 | 2,028,000 | 2,638,000 |
| Noninterest expense | 1,314,000 | 2,561,000 | 3,831,000 | 5,175,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,398,000 | 2,906,000 | 4,476,000 | 5,898,000 |
| Income tax | 387,000 | 829,000 | 1,295,000 | 1,802,000 |
| Net income | 1,011,000 | 2,077,000 | 3,181,000 | 4,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,774,000 | 26,309,000 | 27,423,000 | 27,381,000 |
| Total capital | 27,152,000 | 27,685,000 | 28,789,000 | 28,648,000 |
| Risk-weighted assets | 151,853,000 | 156,485,000 | 163,428,000 | 164,238,000 |