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 | 123,815,000 | 130,166,000 | 132,929,000 | 141,460,000 |
| Total loans | 106,250,000 | 107,447,000 | 111,057,000 | 121,098,000 |
| Allowance for loan losses | 1,516,000 | 1,458,000 | 1,530,000 | 1,600,000 |
| Securities available for sale | 8,778,000 | 9,244,000 | 10,556,000 | 10,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,418,000 | 99,398,000 | 103,781,000 | 106,836,000 |
| Interest-bearing deposits | 83,221,000 | 89,969,000 | 91,908,000 | 92,882,000 |
| Noninterest-bearing deposits | 10,197,000 | 9,429,000 | 11,873,000 | 13,954,000 |
| Equity capital | 11,408,000 | 11,589,000 | 11,786,000 | 12,639,000 |
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 | 1,768,000 | 3,644,000 | 5,663,000 | 7,848,000 |
| Interest expense | 643,000 | 1,395,000 | 2,286,000 | 3,247,000 |
| Net interest income | 1,125,000 | 2,249,000 | 3,377,000 | 4,601,000 |
| Noninterest income | 106,000 | 220,000 | 357,000 | 466,000 |
| Noninterest expense | 596,000 | 1,259,000 | 1,900,000 | 2,573,000 |
| Provision for loan losses | 40,000 | 115,000 | 190,000 | 265,000 |
| Pretax income | 587,000 | 1,088,000 | 1,637,000 | 2,222,000 |
| Income tax | 29,000 | 53,000 | 80,000 | 109,000 |
| Net income | 558,000 | 1,035,000 | 1,557,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,939,000 | 10,032,000 | 10,306,000 | 11,152,000 |
| Total capital | 11,311,000 | 11,443,000 | 11,768,000 | 12,712,000 |
| Risk-weighted assets | 109,630,000 | 112,852,000 | 116,902,000 | 124,780,000 |