Call reports 2007
PIERCE COMMERCIAL BANK — 2007
What PIERCE COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 256,135,000 | 250,239,000 | 230,078,000 | 246,708,000 |
| Total loans | 212,714,000 | 217,344,000 | 207,756,000 | 217,919,000 |
| Allowance for loan losses | 2,398,000 | 2,519,000 | 2,639,000 | 2,744,000 |
| Securities available for sale | 5,777,000 | 6,693,000 | 8,874,000 | 9,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,854,000 | 214,325,000 | 193,581,000 | 214,531,000 |
| Interest-bearing deposits | 195,170,000 | 192,237,000 | 173,781,000 | 191,969,000 |
| Noninterest-bearing deposits | 25,684,000 | 22,088,000 | 19,800,000 | 22,562,000 |
| Equity capital | 22,440,000 | 23,270,000 | 23,903,000 | 24,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,394,000 | 9,221,000 | 13,857,000 | 18,306,000 |
| Interest expense | 1,810,000 | 3,909,000 | 5,908,000 | 7,840,000 |
| Net interest income | 2,584,000 | 5,312,000 | 7,949,000 | 10,466,000 |
| Noninterest income | 3,454,000 | 6,784,000 | 10,239,000 | 13,357,000 |
| Noninterest expense | 4,342,000 | 8,799,000 | 13,192,000 | 17,377,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,576,000 | 3,057,000 | 4,636,000 | 5,966,000 |
| Income tax | 559,000 | 1,072,000 | 1,620,000 | 2,089,000 |
| Net income | 1,017,000 | 1,985,000 | 3,016,000 | 3,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,401,000 | 23,283,000 | 23,828,000 | 24,230,000 |
| Total capital | 24,799,000 | 25,802,000 | 26,353,000 | 26,878,000 |
| Risk-weighted assets | 200,165,000 | 207,135,000 | 201,856,000 | 211,703,000 |