Call reports 2004
PREMIER BANK, INC. — 2004
What PREMIER BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 165,910,000 | 156,398,000 | 168,092,000 | 158,983,000 |
| Total loans | 75,998,000 | 76,452,000 | 79,567,000 | 77,570,000 |
| Allowance for loan losses | 913,000 | 915,000 | 913,000 | 1,008,000 |
| Securities available for sale | 58,455,000 | 59,158,000 | 59,566,000 | 56,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,818,000 | 133,521,000 | 143,242,000 | 134,835,000 |
| Interest-bearing deposits | 119,699,000 | 115,135,000 | 123,049,000 | 113,750,000 |
| Noninterest-bearing deposits | 19,119,000 | 18,386,000 | 20,193,000 | 21,085,000 |
| Equity capital | 22,839,000 | 22,061,000 | 22,876,000 | 22,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,816,000 | 3,604,000 | 5,465,000 | 7,340,000 |
| Interest expense | 372,000 | 732,000 | 1,114,000 | 1,482,000 |
| Net interest income | 1,444,000 | 2,872,000 | 4,351,000 | 5,858,000 |
| Noninterest income | 156,000 | 363,000 | 571,000 | 801,000 |
| Noninterest expense | 829,000 | 1,582,000 | 2,429,000 | 3,257,000 |
| Provision for loan losses | -30,000 | -15,000 | 0 | 115,000 |
| Pretax income | 801,000 | 1,668,000 | 2,493,000 | 3,287,000 |
| Income tax | 292,000 | 607,000 | 901,000 | 1,173,000 |
| Net income | 509,000 | 1,061,000 | 1,592,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,818,000 | 13,992,000 | 14,153,000 | 14,299,000 |
| Total capital | 14,731,000 | 14,907,000 | 15,066,000 | 15,270,000 |
| Risk-weighted assets | 77,514,000 | 75,978,000 | 80,437,000 | 77,605,000 |