Call reports 2006
PREMIER BANK, INC. — 2006
What PREMIER BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 153,640,000 | 153,539,000 | 159,178,000 | 152,273,000 |
| Total loans | 77,287,000 | 83,188,000 | 84,179,000 | 83,097,000 |
| Allowance for loan losses | 1,104,000 | 1,111,000 | 1,214,000 | 1,191,000 |
| Securities available for sale | 47,466,000 | 46,466,000 | 46,798,000 | 42,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,509,000 | 129,710,000 | 134,357,000 | 126,993,000 |
| Interest-bearing deposits | 108,686,000 | 105,392,000 | 112,059,000 | 103,818,000 |
| Noninterest-bearing deposits | 20,823,000 | 24,318,000 | 22,298,000 | 23,175,000 |
| Equity capital | 23,042,000 | 22,937,000 | 23,588,000 | 23,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,954,000 | 4,006,000 | 6,195,000 | 8,404,000 |
| Interest expense | 405,000 | 865,000 | 1,380,000 | 1,937,000 |
| Net interest income | 1,549,000 | 3,141,000 | 4,815,000 | 6,467,000 |
| Noninterest income | 201,000 | 410,000 | 676,000 | 925,000 |
| Noninterest expense | 825,000 | 1,721,000 | 2,628,000 | 3,521,000 |
| Provision for loan losses | 260,000 | 275,000 | 385,000 | 400,000 |
| Pretax income | 665,000 | 1,555,000 | 2,478,000 | 3,471,000 |
| Income tax | 239,000 | 560,000 | 894,000 | 1,253,000 |
| Net income | 426,000 | 995,000 | 1,584,000 | 2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,068,000 | 15,152,000 | 15,296,000 | 15,490,000 |
| Total capital | 16,018,000 | 16,150,000 | 16,314,000 | 16,488,000 |
| Risk-weighted assets | 75,883,000 | 79,705,000 | 81,244,000 | 79,649,000 |