Call reports 2003
WESTERN COMMERCE BANK — 2003
What WESTERN COMMERCE BANK 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 | 259,462,000 | 256,261,000 | 256,305,000 | 263,826,000 |
| Total loans | 152,696,000 | 150,562,000 | 150,634,000 | 153,192,000 |
| Allowance for loan losses | 1,508,000 | 1,571,000 | 1,519,000 | 1,586,000 |
| Securities available for sale | 8,642,000 | 8,341,000 | 7,885,000 | 7,543,000 |
| Securities held to maturity | 61,872,000 | 58,144,000 | 62,357,000 | 67,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,396,000 | 202,489,000 | 202,056,000 | 201,495,000 |
| Interest-bearing deposits | 169,288,000 | 166,379,000 | 163,047,000 | 160,166,000 |
| Noninterest-bearing deposits | 36,107,000 | 36,110,000 | 39,009,000 | 41,330,000 |
| Equity capital | 29,175,000 | 29,444,000 | 30,115,000 | 31,673,000 |
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 | 4,115,000 | 8,041,000 | 11,760,000 | 15,548,000 |
| Interest expense | 1,083,000 | 2,040,000 | 2,879,000 | 3,662,000 |
| Net interest income | 3,032,000 | 6,001,000 | 8,881,000 | 11,886,000 |
| Noninterest income | 544,000 | 1,114,000 | 1,674,000 | 2,398,000 |
| Noninterest expense | 1,960,000 | 3,922,000 | 5,862,000 | 7,833,000 |
| Provision for loan losses | 195,000 | 425,000 | 586,000 | 703,000 |
| Pretax income | 1,421,000 | 2,768,000 | 4,107,000 | 5,772,000 |
| Income tax | 25,000 | 50,000 | 75,000 | 100,000 |
| Net income | 1,396,000 | 2,718,000 | 4,032,000 | 5,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,130,000 | 29,400,000 | 30,115,000 | 31,672,000 |
| Total capital | 30,638,000 | 30,971,000 | 31,634,000 | 33,258,000 |
| Risk-weighted assets | 169,020,000 | 166,923,000 | 167,591,000 | 171,577,000 |
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