Call reports 2004
PREMIER BANK — 2004
What PREMIER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 332,875,000 | 382,012,000 | 437,954,000 | 469,790,000 |
| Total loans | 274,346,000 | 321,939,000 | 362,579,000 | 390,871,000 |
| Allowance for loan losses | 2,587,000 | 2,885,000 | 3,208,000 | 3,544,000 |
| Securities available for sale | 39,679,000 | 39,760,000 | 40,906,000 | 38,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,669,000 | 308,700,000 | 347,720,000 | 371,927,000 |
| Interest-bearing deposits | 239,115,000 | 291,174,000 | 329,700,000 | 351,284,000 |
| Noninterest-bearing deposits | 15,554,000 | 17,525,000 | 18,020,000 | 20,643,000 |
| Equity capital | 26,349,000 | 30,382,000 | 35,057,000 | 44,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,934,000 | 8,623,000 | 13,991,000 | 20,081,000 |
| Interest expense | 1,336,000 | 2,928,000 | 4,834,000 | 7,091,000 |
| Net interest income | 2,598,000 | 5,695,000 | 9,157,000 | 12,990,000 |
| Noninterest income | 338,000 | 734,000 | 1,083,000 | 1,454,000 |
| Noninterest expense | 1,556,000 | 3,268,000 | 5,259,000 | 7,577,000 |
| Provision for loan losses | 245,000 | 545,000 | 870,000 | 1,220,000 |
| Pretax income | 1,135,000 | 2,616,000 | 4,111,000 | 5,647,000 |
| Income tax | 416,000 | 961,000 | 1,516,000 | 2,092,000 |
| Net income | 719,000 | 1,655,000 | 2,595,000 | 3,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,346,000 | 30,782,000 | 35,222,000 | 44,682,000 |
| Total capital | 30,933,000 | 35,667,000 | 40,430,000 | 50,226,000 |
| Risk-weighted assets | 293,415,000 | 341,431,000 | 385,948,000 | 417,235,000 |