Call reports 2008
PREMIER BANK — 2008
What PREMIER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 174,410,000 | 175,601,000 | 175,941,000 | 183,632,000 |
| Total loans | 137,963,000 | 147,012,000 | 147,321,000 | 151,871,000 |
| Allowance for loan losses | 2,116,000 | 2,051,000 | 2,062,000 | 1,937,000 |
| Securities available for sale | 19,444,000 | 19,305,000 | 19,478,000 | 20,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,188,000 | 138,773,000 | 136,300,000 | 144,883,000 |
| Interest-bearing deposits | 128,050,000 | 125,310,000 | 123,168,000 | 125,054,000 |
| Noninterest-bearing deposits | 12,138,000 | 13,463,000 | 13,132,000 | 19,829,000 |
| Equity capital | 16,348,000 | 16,163,000 | 16,815,000 | 17,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,917,000 | 5,659,000 | 8,441,000 | 11,193,000 |
| Interest expense | 1,445,000 | 2,796,000 | 3,996,000 | 5,125,000 |
| Net interest income | 1,472,000 | 2,863,000 | 4,445,000 | 6,068,000 |
| Noninterest income | 150,000 | 306,000 | 478,000 | 686,000 |
| Noninterest expense | 620,000 | 1,295,000 | 2,002,000 | 2,801,000 |
| Provision for loan losses | 30,000 | 60,000 | 135,000 | 285,000 |
| Pretax income | 972,000 | 1,814,000 | 2,786,000 | 3,668,000 |
| Income tax | 48,000 | 89,000 | 136,000 | 179,000 |
| Net income | 924,000 | 1,725,000 | 2,650,000 | 3,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,583,000 | 14,731,000 | 15,244,000 | 15,595,000 |
| Total capital | 16,432,000 | 16,654,000 | 17,176,000 | 17,532,000 |
| Risk-weighted assets | 147,690,000 | 153,722,000 | 154,410,000 | 159,829,000 |