Call reports 2013
PREMIER BANK, INC. — 2013
What PREMIER BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 736,352,000 | 728,006,000 | 738,449,000 | 729,703,000 |
| Total loans | 487,526,000 | 493,050,000 | 501,897,000 | 513,129,000 |
| Allowance for loan losses | 9,054,000 | 9,016,000 | 9,038,000 | 8,270,000 |
| Securities available for sale | 158,084,000 | 143,261,000 | 133,386,000 | 122,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,907,000 | 616,120,000 | 619,760,000 | 614,960,000 |
| Interest-bearing deposits | 483,780,000 | 479,718,000 | 479,914,000 | 467,352,000 |
| Noninterest-bearing deposits | 138,127,000 | 136,402,000 | 139,846,000 | 147,608,000 |
| Equity capital | 106,640,000 | 105,563,000 | 106,882,000 | 106,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,770,000 | 16,553,000 | 26,118,000 | 34,073,000 |
| Interest expense | 739,000 | 1,456,000 | 2,144,000 | 2,817,000 |
| Net interest income | 7,031,000 | 15,097,000 | 23,974,000 | 31,256,000 |
| Noninterest income | 832,000 | 1,611,000 | 2,459,000 | 2,747,000 |
| Noninterest expense | 4,795,000 | 9,767,000 | 14,634,000 | 19,499,000 |
| Provision for loan losses | 495,000 | 525,000 | 575,000 | -100,000 |
| Pretax income | 2,721,000 | 6,564,000 | 11,444,000 | 15,674,000 |
| Income tax | 956,000 | 2,412,000 | 4,223,000 | 5,744,000 |
| Net income | 1,765,000 | 4,152,000 | 7,221,000 | 9,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,756,000 | 86,566,000 | 88,225,000 | 89,274,000 |
| Total capital | 91,693,000 | 92,587,000 | 94,373,000 | 95,508,000 |
| Risk-weighted assets | 471,846,000 | 478,706,000 | 488,931,000 | 496,724,000 |