Call reports 2005
PREMIER BANK — 2005
What PREMIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 508,907,000 | 616,977,000 | 690,625,000 | 735,951,000 |
| Total loans | 429,887,000 | 525,358,000 | 574,735,000 | 624,153,000 |
| Allowance for loan losses | 3,970,000 | 4,604,000 | 5,590,000 | 5,793,000 |
| Securities available for sale | 40,493,000 | 51,536,000 | 61,054,000 | 64,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,315,000 | 483,286,000 | 562,246,000 | 605,085,000 |
| Interest-bearing deposits | 370,478,000 | 456,527,000 | 532,142,000 | 574,607,000 |
| Noninterest-bearing deposits | 22,837,000 | 26,759,000 | 30,104,000 | 30,478,000 |
| Equity capital | 45,393,000 | 53,192,000 | 59,847,000 | 69,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,668,000 | 14,921,000 | 25,269,000 | 36,744,000 |
| Interest expense | 2,566,000 | 6,133,000 | 11,012,000 | 16,749,000 |
| Net interest income | 4,102,000 | 8,788,000 | 14,257,000 | 19,995,000 |
| Noninterest income | 431,000 | 946,000 | 2,210,000 | 2,606,000 |
| Noninterest expense | 2,344,000 | 4,887,000 | 7,805,000 | 11,472,000 |
| Provision for loan losses | 430,000 | 1,067,000 | 2,193,000 | 2,500,000 |
| Pretax income | 1,759,000 | 3,688,000 | 6,377,000 | 8,537,000 |
| Income tax | 668,000 | 1,406,000 | 2,428,000 | 3,235,000 |
| Net income | 1,091,000 | 2,282,000 | 3,949,000 | 5,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,774,000 | 54,757,000 | 61,426,000 | 70,783,000 |
| Total capital | 51,744,000 | 59,361,000 | 67,016,000 | 76,576,000 |
| Risk-weighted assets | 457,342,000 | 555,189,000 | 620,393,000 | 656,844,000 |