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 | 88,095,000 | 87,289,000 | 87,027,000 | 91,364,000 |
| Total loans | 69,725,000 | 70,821,000 | 69,170,000 | 72,616,000 |
| Allowance for loan losses | 1,100,000 | 1,240,000 | 1,237,000 | 1,237,000 |
| Securities available for sale | 11,085,000 | 12,278,000 | 13,421,000 | 13,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,326,000 | 64,956,000 | 63,887,000 | 66,184,000 |
| Interest-bearing deposits | 62,208,000 | 60,298,000 | 58,407,000 | 58,079,000 |
| Noninterest-bearing deposits | 5,118,000 | 4,658,000 | 5,480,000 | 8,105,000 |
| Equity capital | 6,871,000 | 6,923,000 | 7,172,000 | 7,447,000 |
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 | 1,302,000 | 2,587,000 | 3,833,000 | 5,118,000 |
| Interest expense | 563,000 | 1,091,000 | 1,583,000 | 2,039,000 |
| Net interest income | 739,000 | 1,496,000 | 2,250,000 | 3,079,000 |
| Noninterest income | 81,000 | 171,000 | 271,000 | 351,000 |
| Noninterest expense | 344,000 | 702,000 | 983,000 | 1,449,000 |
| Provision for loan losses | 30,000 | 170,000 | 170,000 | 170,000 |
| Pretax income | 459,000 | 808,000 | 1,381,000 | 1,831,000 |
| Income tax | 23,000 | 40,000 | 69,000 | 87,000 |
| Net income | 436,000 | 768,000 | 1,312,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,735,000 | 6,697,000 | 7,041,000 | 7,323,000 |
| Total capital | 7,599,000 | 7,566,000 | 7,902,000 | 8,224,000 |
| Risk-weighted assets | 68,912,000 | 69,140,000 | 68,478,000 | 71,735,000 |