Call reports 2005
WESTERN COMMERCE BANK — 2005
What WESTERN COMMERCE 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 | 260,497,000 | 264,735,000 | 265,418,000 | 260,097,000 |
| Total loans | 146,596,000 | 147,262,000 | 148,301,000 | 147,305,000 |
| Allowance for loan losses | 1,801,000 | 1,904,000 | 1,968,000 | 1,751,000 |
| Securities available for sale | 6,709,000 | 6,661,000 | 6,500,000 | 6,360,000 |
| Securities held to maturity | 61,213,000 | 57,675,000 | 53,243,000 | 49,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,902,000 | 215,773,000 | 215,480,000 | 210,070,000 |
| Interest-bearing deposits | 159,915,000 | 162,355,000 | 160,779,000 | 152,499,000 |
| Noninterest-bearing deposits | 51,987,000 | 53,418,000 | 54,702,000 | 57,571,000 |
| Equity capital | 28,995,000 | 29,470,000 | 30,458,000 | 32,118,000 |
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 | 3,711,000 | 7,530,000 | 11,596,000 | 15,621,000 |
| Interest expense | 760,000 | 1,582,000 | 2,450,000 | 3,361,000 |
| Net interest income | 2,951,000 | 5,948,000 | 9,146,000 | 12,260,000 |
| Noninterest income | 530,000 | 1,140,000 | 1,717,000 | 2,321,000 |
| Noninterest expense | 1,942,000 | 3,856,000 | 5,794,000 | 7,940,000 |
| Provision for loan losses | 97,000 | 193,000 | 290,000 | 169,000 |
| Pretax income | 1,442,000 | 3,039,000 | 4,779,000 | 6,472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,442,000 | 3,039,000 | 4,779,000 | 6,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,996,000 | 29,467,000 | 30,454,000 | 32,120,000 |
| Total capital | 30,797,000 | 31,371,000 | 32,422,000 | 33,871,000 |
| Risk-weighted assets | 165,267,000 | 167,440,000 | 168,842,000 | 166,016,000 |
Machine access — free, no API key
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