Call reports 2008
PREMIER BANK, INC. — 2008
What PREMIER BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 163,060,000 | 155,778,000 | 162,236,000 | 160,100,000 |
| Total loans | 77,929,000 | 83,444,000 | 85,691,000 | 85,696,000 |
| Allowance for loan losses | 1,364,000 | 1,375,000 | 1,445,000 | 1,416,000 |
| Securities available for sale | 56,956,000 | 52,939,000 | 52,475,000 | 55,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,676,000 | 129,495,000 | 135,491,000 | 132,581,000 |
| Interest-bearing deposits | 113,610,000 | 105,201,000 | 113,112,000 | 107,638,000 |
| Noninterest-bearing deposits | 22,066,000 | 24,294,000 | 22,379,000 | 24,943,000 |
| Equity capital | 24,965,000 | 24,386,000 | 24,712,000 | 25,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,171,000 | 4,229,000 | 6,285,000 | 8,245,000 |
| Interest expense | 639,000 | 1,193,000 | 1,685,000 | 2,153,000 |
| Net interest income | 1,532,000 | 3,036,000 | 4,600,000 | 6,092,000 |
| Noninterest income | 221,000 | 488,000 | 721,000 | 967,000 |
| Noninterest expense | 888,000 | 1,754,000 | 2,617,000 | 3,491,000 |
| Provision for loan losses | 15,000 | 30,000 | 140,000 | 155,000 |
| Pretax income | 850,000 | 1,740,000 | 2,564,000 | 3,413,000 |
| Income tax | 302,000 | 618,000 | 910,000 | 1,212,000 |
| Net income | 548,000 | 1,122,000 | 1,654,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,648,000 | 15,802,000 | 15,889,000 | 17,503,000 |
| Total capital | 16,598,000 | 16,802,000 | 16,929,000 | 18,546,000 |
| Risk-weighted assets | 75,598,000 | 79,605,000 | 82,805,000 | 83,085,000 |