Call reports 2009
WESTERN COMMERCE BANK — 2009
What WESTERN COMMERCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 320,194,000 | 308,690,000 | 311,816,000 | 314,223,000 |
| Total loans | 163,437,000 | 160,651,000 | 169,610,000 | 171,662,000 |
| Allowance for loan losses | 2,245,000 | 2,191,000 | 2,207,000 | 2,224,000 |
| Securities available for sale | 5,862,000 | 5,850,000 | 5,880,000 | 5,824,000 |
| Securities held to maturity | 64,970,000 | 69,003,000 | 75,492,000 | 74,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,104,000 | 263,600,000 | 266,920,000 | 265,058,000 |
| Interest-bearing deposits | 189,778,000 | 189,940,000 | 197,009,000 | 192,215,000 |
| Noninterest-bearing deposits | 85,326,000 | 73,660,000 | 69,910,000 | 72,843,000 |
| Equity capital | 29,509,000 | 29,968,000 | 31,109,000 | 32,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,172,000 | 8,260,000 | 12,240,000 | 16,232,000 |
| Interest expense | 715,000 | 1,353,000 | 1,935,000 | 2,480,000 |
| Net interest income | 3,457,000 | 6,907,000 | 10,305,000 | 13,752,000 |
| Noninterest income | 521,000 | 1,125,000 | 1,717,000 | 2,480,000 |
| Noninterest expense | 2,181,000 | 4,399,000 | 6,595,000 | 9,099,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 1,776,000 | 3,591,000 | 5,364,000 | 7,049,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,776,000 | 3,591,000 | 5,364,000 | 7,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,509,000 | 29,962,000 | 31,103,000 | 32,747,000 |
| Total capital | 31,754,000 | 32,153,000 | 33,310,000 | 34,971,000 |
| Risk-weighted assets | 190,962,000 | 186,183,000 | 193,281,000 | 192,524,000 |
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