Call reports 2007
PREMIERBANK — 2007
What PREMIERBANK 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 | 232,664,000 | 230,272,000 | 230,586,000 | 245,642,000 |
| Total loans | 142,927,000 | 144,805,000 | 147,093,000 | 146,551,000 |
| Allowance for loan losses | 1,268,000 | 1,269,000 | 1,236,000 | 1,152,000 |
| Securities available for sale | 55,895,000 | 57,010,000 | 57,110,000 | 58,186,000 |
| Securities held to maturity | 1,923,000 | 1,649,000 | 1,650,000 | 1,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,469,000 | 163,076,000 | 162,646,000 | 175,509,000 |
| Interest-bearing deposits | 130,720,000 | 122,609,000 | 127,585,000 | 134,279,000 |
| Noninterest-bearing deposits | 32,750,000 | 40,467,000 | 35,061,000 | 41,230,000 |
| Equity capital | 38,498,000 | 38,375,000 | 40,072,000 | 39,454,000 |
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 | 3,345,000 | 6,715,000 | 10,208,000 | 13,761,000 |
| Interest expense | 1,315,000 | 2,617,000 | 3,949,000 | 5,233,000 |
| Net interest income | 2,030,000 | 4,098,000 | 6,259,000 | 8,528,000 |
| Noninterest income | 642,000 | 1,301,000 | 1,979,000 | 2,638,000 |
| Noninterest expense | 1,344,000 | 2,682,000 | 3,955,000 | 5,510,000 |
| Provision for loan losses | 0 | 3,000 | 3,000 | 18,000 |
| Pretax income | 1,328,000 | 2,714,000 | 4,280,000 | 5,638,000 |
| Income tax | 388,000 | 762,000 | 1,268,000 | 1,799,000 |
| Net income | 940,000 | 1,952,000 | 3,012,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,163,000 | 30,469,000 | 31,540,000 | 30,575,000 |
| Total capital | 31,431,000 | 31,738,000 | 32,776,000 | 31,727,000 |
| Risk-weighted assets | 162,652,000 | 166,041,000 | 164,440,000 | 166,358,000 |