Call reports 2004
WESTERN COMMERCE BANK — 2004
What WESTERN COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 258,409,000 | 254,801,000 | 255,012,000 | 261,859,000 |
| Total loans | 153,170,000 | 152,817,000 | 154,988,000 | 149,955,000 |
| Allowance for loan losses | 1,683,000 | 1,806,000 | 1,947,000 | 1,730,000 |
| Securities available for sale | 7,445,000 | 7,145,000 | 7,019,000 | 6,851,000 |
| Securities held to maturity | 67,243,000 | 65,678,000 | 61,300,000 | 61,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,413,000 | 202,529,000 | 203,015,000 | 209,281,000 |
| Interest-bearing deposits | 158,313,000 | 158,580,000 | 159,848,000 | 160,713,000 |
| Noninterest-bearing deposits | 43,099,000 | 43,949,000 | 43,167,000 | 48,568,000 |
| Equity capital | 29,115,000 | 29,277,000 | 30,270,000 | 31,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,726,000 | 7,352,000 | 11,135,000 | 14,826,000 |
| Interest expense | 755,000 | 1,483,000 | 2,212,000 | 2,961,000 |
| Net interest income | 2,971,000 | 5,869,000 | 8,923,000 | 11,865,000 |
| Noninterest income | 547,000 | 1,186,000 | 1,763,000 | 2,455,000 |
| Noninterest expense | 1,953,000 | 3,927,000 | 5,925,000 | 7,768,000 |
| Provision for loan losses | 132,000 | 264,000 | 396,000 | 465,000 |
| Pretax income | 1,433,000 | 2,864,000 | 4,365,000 | 6,087,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,433,000 | 2,864,000 | 4,365,000 | 6,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,103,000 | 29,282,000 | 30,261,000 | 31,966,000 |
| Total capital | 30,786,000 | 31,088,000 | 32,208,000 | 33,696,000 |
| Risk-weighted assets | 168,992,000 | 167,927,000 | 170,616,000 | 168,151,000 |
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