Call reports 2005
PREMIER BANK, INC. — 2005
What PREMIER BANK, INC. 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 | 160,551,000 | 156,806,000 | 154,944,000 | 149,422,000 |
| Total loans | 76,865,000 | 76,918,000 | 79,472,000 | 78,035,000 |
| Allowance for loan losses | 1,012,000 | 1,020,000 | 1,004,000 | 851,000 |
| Securities available for sale | 53,349,000 | 52,054,000 | 49,206,000 | 48,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,276,000 | 132,639,000 | 130,904,000 | 125,464,000 |
| Interest-bearing deposits | 114,732,000 | 113,038,000 | 112,322,000 | 103,425,000 |
| Noninterest-bearing deposits | 20,544,000 | 19,601,000 | 18,582,000 | 22,039,000 |
| Equity capital | 22,634,000 | 23,087,000 | 23,125,000 | 23,016,000 |
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 | 1,860,000 | 3,779,000 | 5,734,000 | 7,702,000 |
| Interest expense | 342,000 | 672,000 | 1,026,000 | 1,423,000 |
| Net interest income | 1,518,000 | 3,107,000 | 4,708,000 | 6,279,000 |
| Noninterest income | 198,000 | 390,000 | 604,000 | 825,000 |
| Noninterest expense | 840,000 | 1,651,000 | 2,432,000 | 3,244,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 125,000 |
| Pretax income | 861,000 | 1,816,000 | 2,840,000 | 3,735,000 |
| Income tax | 311,000 | 656,000 | 1,025,000 | 1,347,000 |
| Net income | 550,000 | 1,160,000 | 1,815,000 | 2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,589,000 | 14,674,000 | 14,928,000 | 14,927,000 |
| Total capital | 15,557,000 | 15,641,000 | 15,906,000 | 15,778,000 |
| Risk-weighted assets | 77,391,000 | 77,345,000 | 78,219,000 | 75,910,000 |