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 | 96,045,000 | 96,517,000 | 102,767,000 | 121,343,000 |
| Total loans | 74,552,000 | 82,892,000 | 82,400,000 | 102,339,000 |
| Allowance for loan losses | 1,237,000 | 1,264,000 | 1,265,000 | 1,475,000 |
| Securities available for sale | 10,597,000 | 8,911,000 | 8,202,000 | 9,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,384,000 | 72,670,000 | 79,160,000 | 93,630,000 |
| Interest-bearing deposits | 66,353,000 | 64,734,000 | 68,054,000 | 79,896,000 |
| Noninterest-bearing deposits | 6,031,000 | 7,936,000 | 11,106,000 | 13,734,000 |
| Equity capital | 7,812,000 | 7,673,000 | 8,118,000 | 10,442,000 |
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 | 1,291,000 | 2,643,000 | 4,047,000 | 5,736,000 |
| Interest expense | 434,000 | 902,000 | 1,397,000 | 2,001,000 |
| Net interest income | 857,000 | 1,741,000 | 2,650,000 | 3,735,000 |
| Noninterest income | 76,000 | 168,000 | 265,000 | 376,000 |
| Noninterest expense | 506,000 | 1,021,000 | 1,541,000 | 2,226,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 436,000 | 874,000 | 1,368,000 | 1,879,000 |
| Income tax | 21,000 | 42,000 | 67,000 | 92,000 |
| Net income | 415,000 | 832,000 | 1,301,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,594,000 | 7,667,000 | 7,972,000 | 8,879,000 |
| Total capital | 8,532,000 | 8,701,000 | 9,027,000 | 10,192,000 |
| Risk-weighted assets | 74,716,000 | 82,508,000 | 84,159,000 | 104,898,000 |