Call reports 2003
PREMIER BANK — 2003
What PREMIER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 212,038,000 | 232,829,000 | 252,123,000 | 273,680,000 |
| Total loans | 173,326,000 | 190,131,000 | 198,569,000 | 222,821,000 |
| Allowance for loan losses | 1,632,000 | 1,866,000 | 2,096,000 | 2,344,000 |
| Securities available for sale | 24,601,000 | 31,030,000 | 32,665,000 | 30,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,720,000 | 183,817,000 | 206,722,000 | 225,328,000 |
| Interest-bearing deposits | 159,063,000 | 172,259,000 | 193,977,000 | 210,970,000 |
| Noninterest-bearing deposits | 11,657,000 | 11,558,000 | 12,745,000 | 14,359,000 |
| Equity capital | 18,792,000 | 19,469,000 | 22,101,000 | 25,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,849,000 | 6,020,000 | 9,403,000 | 12,933,000 |
| Interest expense | 1,165,000 | 2,367,000 | 3,603,000 | 4,851,000 |
| Net interest income | 1,684,000 | 3,653,000 | 5,800,000 | 8,082,000 |
| Noninterest income | 346,000 | 810,000 | 1,330,000 | 1,619,000 |
| Noninterest expense | 1,025,000 | 2,149,000 | 3,394,000 | 4,922,000 |
| Provision for loan losses | 150,000 | 385,000 | 615,000 | 865,000 |
| Pretax income | 855,000 | 1,929,000 | 3,124,000 | 3,917,000 |
| Income tax | 322,000 | 719,000 | 1,152,000 | 1,436,000 |
| Net income | 533,000 | 1,210,000 | 1,972,000 | 2,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,679,000 | 19,356,000 | 22,118,000 | 25,627,000 |
| Total capital | 21,811,000 | 22,722,000 | 25,714,000 | 29,971,000 |
| Risk-weighted assets | 179,500,000 | 199,829,000 | 212,891,000 | 235,254,000 |