Call reports 2003
PREMIER BANK, INC. — 2003
What PREMIER BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 167,205,000 | 162,026,000 | 172,861,000 | 157,857,000 |
| Total loans | 77,580,000 | 77,332,000 | 76,090,000 | 76,523,000 |
| Allowance for loan losses | 1,073,000 | 1,067,000 | 989,000 | 896,000 |
| Securities available for sale | 55,149,000 | 60,789,000 | 65,214,000 | 61,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,869,000 | 137,396,000 | 142,522,000 | 134,554,000 |
| Interest-bearing deposits | 124,124,000 | 119,968,000 | 126,328,000 | 114,451,000 |
| Noninterest-bearing deposits | 18,745,000 | 17,428,000 | 16,194,000 | 20,103,000 |
| Equity capital | 23,541,000 | 23,888,000 | 22,524,000 | 22,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,955,000 | 3,843,000 | 5,656,000 | 7,525,000 |
| Interest expense | 499,000 | 944,000 | 1,354,000 | 1,747,000 |
| Net interest income | 1,456,000 | 2,899,000 | 4,302,000 | 5,778,000 |
| Noninterest income | 119,000 | 277,000 | 432,000 | 388,000 |
| Noninterest expense | 885,000 | 1,690,000 | 2,519,000 | 3,339,000 |
| Provision for loan losses | 0 | 0 | -40,000 | -100,000 |
| Pretax income | 783,000 | 1,579,000 | 2,348,000 | 3,020,000 |
| Income tax | 295,000 | 594,000 | 888,000 | 1,146,000 |
| Net income | 488,000 | 985,000 | 1,460,000 | 1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,694,000 | 14,792,000 | 13,616,000 | 13,680,000 |
| Total capital | 15,725,000 | 15,798,000 | 14,605,000 | 14,576,000 |
| Risk-weighted assets | 82,461,000 | 80,440,000 | 80,419,000 | 76,927,000 |