Call reports 2005
PIERCE COMMERCIAL BANK — 2005
What PIERCE COMMERCIAL 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 | 173,037,000 | 181,562,000 | 193,110,000 | 207,519,000 |
| Total loans | 140,876,000 | 149,616,000 | 172,680,000 | 155,667,000 |
| Allowance for loan losses | 1,594,000 | 1,616,000 | 1,666,000 | 1,727,000 |
| Securities available for sale | 1,497,000 | 1,489,000 | 1,483,000 | 1,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,040,000 | 156,798,000 | 167,129,000 | 177,316,000 |
| Interest-bearing deposits | 126,865,000 | 128,625,000 | 142,839,000 | 148,649,000 |
| Noninterest-bearing deposits | 22,175,000 | 28,173,000 | 24,290,000 | 28,667,000 |
| Equity capital | 12,557,000 | 13,289,000 | 14,029,000 | 18,021,000 |
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 | 2,341,000 | 4,999,000 | 8,158,000 | 11,443,000 |
| Interest expense | 672,000 | 1,458,000 | 2,412,000 | 3,491,000 |
| Net interest income | 1,669,000 | 3,541,000 | 5,746,000 | 7,952,000 |
| Noninterest income | 1,876,000 | 4,274,000 | 7,053,000 | 10,147,000 |
| Noninterest expense | 2,649,000 | 5,797,000 | 9,577,000 | 13,298,000 |
| Provision for loan losses | 0 | 20,000 | 60,000 | 120,000 |
| Pretax income | 896,000 | 1,998,000 | 3,162,000 | 4,681,000 |
| Income tax | 307,000 | 675,000 | 1,096,000 | 1,621,000 |
| Net income | 589,000 | 1,323,000 | 2,066,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,437,000 | 13,169,000 | 13,914,000 | 17,907,000 |
| Total capital | 14,031,000 | 14,785,000 | 15,580,000 | 19,634,000 |
| Risk-weighted assets | 131,486,000 | 136,669,000 | 149,978,000 | 148,924,000 |