Call reports 2007
PREMIER BANK, INC. — 2007
What PREMIER BANK, INC. 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 | 158,179,000 | 156,501,000 | 157,850,000 | 159,098,000 |
| Total loans | 81,211,000 | 78,961,000 | 81,824,000 | 81,426,000 |
| Allowance for loan losses | 1,244,000 | 1,296,000 | 1,320,000 | 1,349,000 |
| Securities available for sale | 43,958,000 | 42,888,000 | 41,785,000 | 47,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,179,000 | 130,989,000 | 131,669,000 | 130,907,000 |
| Interest-bearing deposits | 109,467,000 | 106,694,000 | 109,079,000 | 105,897,000 |
| Noninterest-bearing deposits | 22,712,000 | 24,295,000 | 22,590,000 | 25,010,000 |
| Equity capital | 24,187,000 | 24,029,000 | 24,542,000 | 24,336,000 |
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 | 2,257,000 | 4,555,000 | 6,868,000 | 9,158,000 |
| Interest expense | 592,000 | 1,220,000 | 1,854,000 | 2,494,000 |
| Net interest income | 1,665,000 | 3,335,000 | 5,014,000 | 6,664,000 |
| Noninterest income | 232,000 | 459,000 | 689,000 | 927,000 |
| Noninterest expense | 887,000 | 1,762,000 | 2,620,000 | 3,482,000 |
| Provision for loan losses | 65,000 | 130,000 | 165,000 | 220,000 |
| Pretax income | 945,000 | 1,902,000 | 2,918,000 | 3,889,000 |
| Income tax | 339,000 | 682,000 | 1,046,000 | 1,394,000 |
| Net income | 606,000 | 1,220,000 | 1,872,000 | 2,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,646,000 | 15,790,000 | 15,977,000 | 15,500,000 |
| Total capital | 16,636,000 | 16,757,000 | 16,970,000 | 16,492,000 |
| Risk-weighted assets | 78,925,000 | 77,004,000 | 79,095,000 | 78,984,000 |