Call reports 2003
PREMIER COMMUNITY BANK OF FLORIDA — 2003
What PREMIER COMMUNITY BANK OF FLORIDA 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 | 366,641,000 | 369,602,000 | 374,477,000 | 370,539,000 |
| Total loans | 250,778,000 | 252,723,000 | 257,304,000 | 253,143,000 |
| Allowance for loan losses | 4,066,000 | 4,081,000 | 4,096,000 | 4,052,000 |
| Securities available for sale | 61,314,000 | 63,962,000 | 66,621,000 | 62,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,520,000 | 303,710,000 | 302,277,000 | 311,146,000 |
| Interest-bearing deposits | 265,144,000 | 271,326,000 | 266,539,000 | 276,432,000 |
| Noninterest-bearing deposits | 33,376,000 | 32,384,000 | 35,738,000 | 34,714,000 |
| Equity capital | 29,772,000 | 30,619,000 | 31,360,000 | 31,265,000 |
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 | 4,816,000 | 9,559,000 | 14,040,000 | 18,535,000 |
| Interest expense | 983,000 | 1,932,000 | 2,732,000 | 3,485,000 |
| Net interest income | 3,833,000 | 7,627,000 | 11,308,000 | 15,050,000 |
| Noninterest income | 553,000 | 1,063,000 | 1,665,000 | 2,156,000 |
| Noninterest expense | 2,820,000 | 5,344,000 | 7,667,000 | 10,144,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,737,000 | 3,502,000 | 5,447,000 | 7,320,000 |
| Income tax | 572,000 | 1,172,000 | 1,693,000 | 2,212,000 |
| Net income | 1,165,000 | 2,330,000 | 3,754,000 | 5,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,732,000 | 24,632,000 | 25,661,000 | 25,567,000 |
| Total capital | 27,067,000 | 28,047,000 | 29,150,000 | 29,064,000 |
| Risk-weighted assets | 266,103,000 | 272,526,000 | 278,513,000 | 279,178,000 |