Call reports 2006
PEARLAND STATE BANK — 2006
What PEARLAND STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 115,724,000 | 111,162,000 | 111,722,000 | 114,477,000 |
| Total loans | 43,740,000 | 39,478,000 | 38,532,000 | 36,687,000 |
| Allowance for loan losses | 513,000 | 492,000 | 492,000 | 466,000 |
| Securities available for sale | 58,492,000 | 61,915,000 | 59,950,000 | 65,437,000 |
| Securities held to maturity | 805,000 | 757,000 | 714,000 | 655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,630,000 | 95,926,000 | 95,438,000 | 97,225,000 |
| Interest-bearing deposits | 64,305,000 | 65,088,000 | 60,773,000 | 63,171,000 |
| Noninterest-bearing deposits | 35,325,000 | 30,838,000 | 34,665,000 | 34,054,000 |
| Equity capital | 15,674,000 | 14,689,000 | 15,646,000 | 16,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,147,000 | 4,701,000 | 6,303,000 |
| Interest expense | 302,000 | 657,000 | 1,023,000 | 1,411,000 |
| Net interest income | 1,261,000 | 2,490,000 | 3,678,000 | 4,892,000 |
| Noninterest income | 297,000 | 587,000 | 888,000 | 1,186,000 |
| Noninterest expense | 725,000 | 1,438,000 | 2,130,000 | 2,764,000 |
| Provision for loan losses | 0 | 4,000 | 14,000 | 24,000 |
| Pretax income | 833,000 | 1,635,000 | 2,422,000 | 3,290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 833,000 | 1,635,000 | 2,422,000 | 3,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,756,000 | 16,258,000 | 16,399,000 | 17,267,000 |
| Total capital | 17,269,000 | 16,750,000 | 16,891,000 | 17,733,000 |
| Risk-weighted assets | 58,988,000 | 55,412,000 | 54,337,000 | 53,090,000 |