Call reports 2009
PREMIER BANK, INC. — 2009
What PREMIER BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 172,164,000 | 168,770,000 | 177,046,000 | 170,199,000 |
| Total loans | 87,023,000 | 86,296,000 | 83,793,000 | 81,395,000 |
| Allowance for loan losses | 1,425,000 | 1,440,000 | 973,000 | 1,040,000 |
| Securities available for sale | 47,338,000 | 63,079,000 | 62,242,000 | 63,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,270,000 | 141,147,000 | 145,827,000 | 141,862,000 |
| Interest-bearing deposits | 119,315,000 | 117,693,000 | 123,517,000 | 117,599,000 |
| Noninterest-bearing deposits | 24,955,000 | 23,454,000 | 22,310,000 | 24,263,000 |
| Equity capital | 25,238,000 | 25,144,000 | 25,595,000 | 25,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,736,000 | 5,601,000 | 7,423,000 |
| Interest expense | 433,000 | 848,000 | 1,244,000 | 1,607,000 |
| Net interest income | 1,445,000 | 2,888,000 | 4,357,000 | 5,816,000 |
| Noninterest income | 208,000 | 428,000 | 643,000 | 857,000 |
| Noninterest expense | 904,000 | 1,880,000 | 2,824,000 | 3,742,000 |
| Provision for loan losses | 15,000 | 30,000 | 115,000 | 130,000 |
| Pretax income | 734,000 | 1,406,000 | 2,061,000 | 2,801,000 |
| Income tax | 261,000 | 495,000 | 723,000 | 983,000 |
| Net income | 473,000 | 911,000 | 1,338,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 18,005,000 | 18,126,000 | 18,327,000 |
| Total capital | 18,905,000 | 19,068,000 | 19,099,000 | 19,358,000 |
| Risk-weighted assets | 87,206,000 | 86,869,000 | 84,369,000 | 82,105,000 |