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Torrance, California 90501
310.676.3300
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Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?
  

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Pierce Commercial Bank, member of holding company PIERCE COUNTY BANCORP
as of September-2010
1722 SOUTH UNION AVENUE TACOMA, WA, 98405
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2011 Lord, Whalen LLC All Rights Reserved
Counterparty Quality Score (CQS) Report



IRA Counterparty Quality Analysis
Historial CQS Scores
  - IRA Bank Stress Index (BSI) Factor
  - Asset Quality Trouble Factor
  - FDIC Moral Hazard Factor
September
2010


4
22.2
9.1
7.7

June
2010


4
22.4
8.5
7.1

March
2010


4
22.2
8.1
6.7

December
2009


4
22.2
8.5
6.6

September
2009


5
21.6
4.5
1.3

June
2009


5
21.1
4.0
2.6

March
2009


8
1.2
2.8
1.3

December
2008


8
1.0
3.5
1.4

September
2008


8
0.9
2.0
1.7

June
2008


8
0.9
1.1
1.8

March
2008


8
0.8
1.8
1.8

December
2007


8
0.7
2.1
2.0

IRA Counterparty Quality Scores range from 8 (best) to 1 (worst).
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROA, %
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET
Risk Based Capital, Total
Tier 1 RBC
Risk Weighted Assets, Total

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Net Income, Period
Total Assets
Lending Assets
Trading Assets
Other Assets (incl. Prepaid Assessments)

Securities Assets

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

September
2010


F
22.2
-0.0048
-0.24
127.8%
0

Fail
2.8%
4.1%
2.0%
$6,585
$4,443
$159,296


BB
B
288.0
85.78
1.74
17.2


$16,379
-28.04%
$4,443
0.3:1
$19,935
9.04%
1.22:1


$-8
$221,082
$171,545
$0
$2,171

$13,719

$5,109
$209,399
3.25%
2.94%

$193,473
$2,088
$2,088
$71,238
$17,063

7.72%
1.08%
40.88%

$3,706
$3,782
0.98:1
$8,577

$3,706
$2,049
$0
$0
$0
$13,478
$0
$835
$20,068
9.08%
9.08%
$13,478

-
-

June
2010


F
22.4
-0.0033
-0.10
132.3%
0

Fail
3.2%
4.6%
2.2%
$7,451
$5,259
$162,751


B
B
354.9
86.56
1.79
17.6


$16,319
-22.82%
$5,259
0.3:1
$19,503
8.07%
1.20:1


$-4
$242,465
$173,128
$0
$8,777

$5,096

$3,373
$225,992
2.99%
2.82%

$210,468
$10,072
$10,072
$81,993
$17,134

7.07%
4.79%
45.04%

$3,072
$3,329
0.92:1
$8,644

$3,072
$1,715
$0
$0
$0
$14,435
$0
$1,270
$20,492
8.45%
8.45%
$14,435

-
-

March
2010


F
22.2
-1.1777
-27.15
141.6%
0

Fail
4.6%
5.9%
3.2%
$10,489
$8,140
$176,831


B
B
373.1
83.59
1.86
14.2


$16,706
-13.44%
$8,140
0.5:1
$17,835
6.93%
1.07:1


$-760
$258,131
$186,237
$0
$8,867

$7,112

$1,737
$243,560
2.85%
2.83%

$222,274
$15,554
$15,554
$89,478
$17,206

6.67%
7.00%
47.36%

$1,737
-
-
$6,522

$1,737
$4,400
$0
$50
$0
$12,568
$0
$2,142
$20,897
8.10%
8.10%
$12,618

-
-

December
2009


F
22.2
-0.0053
-0.10
144.9%
0

Fail
6.0%
7.3%
4.3%
$13,739
$11,286
$188,706


B
B
398.7
98.03
1.86
15.8


$16,282
-142.43%
$11,286
0.7:1
$15,395
5.90%
0.95:1


$-14
$262,114
$196,147
$0
$8,907

$7,114

$8,468
$247,126
3.43%
3.41%

$228,078
$12,093
$12,093
$84,179
$17,277

6.59%
5.30%
43.32%

$7,820
$12,591
0.62:1
$7,974

$7,820
$3,559
$0
$0
$0
$8,920
$0
$1,875
$22,174
8.46%
8.46%
$8,920

-
-

September
2009


F
21.6
-0.0020
-0.02
109.0%
0

Adequate
11.8%
13.1%
9.2%
$27,230
$24,595
$207,622


BB
B
287.9
97.02
2.03
18.8


$12,489
-116.69%
$24,595
2.0:1
$22,982
8.65%
1.84:1


$-4
$266,840
$208,105
$0
$5,935

$10,328

$6,452
$214,720
4.01%
3.43%

$235,987
$10,006
$10,006
$78,726
$3,348

1.25%
4.24%
34.51%

$4,494
$5,100
0.88:1
$3,789

$4,494
$3,173
$0
$0
$0
$2,553
$0
$1,745
$11,965
4.48%
4.48%
$2,553

$518
525,676

June
2009


F
21.1
-0.0014
-0.01
95.4%
0

Adequate
11.7%
12.9%
9.5%
$29,549
$26,655
$228,261


BB
BB
164.0
100.00
1.81
19.9


$7,403
-112.25%
$26,655
3.6:1
$25,618
9.19%
3.46:1


$-2
$280,496
$228,206
$0
$5,748

$8,234

$4,293
$269,101
3.19%
3.27%

$244,574
$0
$0
$87,618
$7,420

2.65%
0.00%
33.88%

$1,871
$4,200
0.45:1
$5,378

$1,871
$1,162
$0
$0
$0
$6,928
$0
$1,131
$11,092
3.95%
3.95%
$6,928

$14,069
21,003

March
2009


A
1.2
0.5101
4.79
85.3%
0

Adequate
12.8%
14.1%
10.6%
$32,425
$29,548
$229,999


BB
BBB
63.2
100.00
1.69
17.4


$3,651
-86.66%
$29,548
8.1:1
$29,706
10.71%
8.14:1


$356
$279,175
$236,056
$0
$4,227

$7,236

$2,088
$268,758
3.11%
3.22%

$245,106
$0
$0
$80,744
$3,491

1.25%
0.00%
30.17%

$373
$300
1.24:1
$2,976

$373
$1,201
$0
$0
$0
$6,270
$0
$0
$7,844
2.81%
2.81%
$6,270

$41,474
7,818

December
2008


A+
1.0
0.8020
8.44
86.1%
0

Adequate
10.7%
11.9%
9.4%
$27,580
$24,688
$230,859


BBB
BBB
33.6
73.01
1.85
16.7


$2,564
-599.88%
$24,688
9.6:1
$24,881
9.57%
9.70:1


$2,100
$261,857
$242,633
$0
$4,339

$7,287

$8,656
$249,833
3.46%
3.44%

$230,983
$0
$0
$75,900
$3,563

1.36%
0.00%
30.35%

$815
$900
0.91:1
$3,049

$815
$3,979
$0
$1,191
$0
$3,060
$0
$0
$9,045
3.45%
3.45%
$4,251

$48,209
5,721

September
2008


A+
0.9
1.1494
12.22
81.3%
0

Adequate
11.2%
12.4%
9.3%
$28,155
$25,315
$226,910


BBB
A
28.8
57.48
1.55
19.2


$1,373
-840.00%
$25,315
18.4:1
$25,457
9.46%
18.54:1


$2,334
$270,753
$238,317
$0
$3,715

$7,008

$6,668
$257,719
3.45%
3.53%

$238,507
$0
$0
$77,177
$4,634

1.71%
0.00%
30.22%

$515
$600
0.86:1
$3,048

$515
$3,758
$0
$0
$0
$1,232
$0
$0
$5,505
2.03%
2.03%
$1,232

$40,892
6,885

June
2008


A+
0.9
1.2063
12.89
80.4%
0

Adequate
11.2%
12.5%
9.3%
$27,774
$24,994
$222,273


BBB
A
29.6
48.41
1.23
23.8


$1,182
-589.08%
$24,994
21.1:1
$24,927
9.35%
21.09:1


$1,620
$268,585
$234,716
$0
$3,574

$6,999

$4,396
$256,919
3.42%
3.52%

$236,292
$0
$0
$74,598
$4,706

1.75%
0.00%
29.53%

$347
$300
1.16:1
$2,876

$347
$964
$0
$712
$0
$837
$0
$202
$3,062
1.14%
1.14%
$1,549

$64,969
4,275

March
2008


A+
0.8
0.9335
10.10
81.5%
0

Adequate
11.1%
12.4%
9.1%
$27,152
$24,410
$219,169


AAA
AAA
0.0
0.00
1.13
20.3


$1,145
-225.96%
$24,410
21.3:1
$24,478
9.23%
21.37:1


$623
$266,966
$229,941
$0
$3,681

$8,205

$2,154
$256,347
3.36%
3.50%

$234,794
$0
$0
$78,857
$4,777

1.79%
0.00%
31.33%

-
$150
-
$2,895

$0
$1,936
$0
$737
$0
$1,982
$0
$202
$4,857
1.82%
1.82%
$2,719

$112,761
2,408

December
2007


A+
0.7
1.5715
15.90
72.9%
0

Adequate
11.4%
12.7%
9.8%
$26,878
$24,230
$211,703


AA
AAA
2.3
25.49
1.30
21.3


$1,164
-560.55%
$24,230
20.8:1
$24,379
9.95%
20.95:1


$3,877
$246,708
$217,919
$0
$3,576

$9,025

$10,466
$236,017
4.43%
4.54%

$214,531
$0
$0
$74,784
$4,848

1.97%
0.00%
32.28%

$51
$480
0.11:1
$2,744

$51
$3,042
$0
$882
$0
$1,277
$0
$0
$5,252
2.13%
2.13%
$2,159

$29,623
9,073

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300

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