Call reports 2010
WESTERN COMMERCE BANK — 2010
What WESTERN COMMERCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 314,184,000 | 306,141,000 | 324,807,000 | 331,650,000 |
| Total loans | 169,456,000 | 167,845,000 | 171,528,000 | 169,712,000 |
| Allowance for loan losses | 2,309,000 | 2,219,000 | 2,242,000 | 2,000,000 |
| Securities available for sale | 5,822,000 | 5,863,000 | 5,871,000 | 5,776,000 |
| Securities held to maturity | 91,200,000 | 88,616,000 | 84,334,000 | 89,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,363,000 | 262,381,000 | 281,301,000 | 289,932,000 |
| Interest-bearing deposits | 199,752,000 | 191,539,000 | 204,886,000 | 208,213,000 |
| Noninterest-bearing deposits | 70,611,000 | 70,842,000 | 76,415,000 | 81,719,000 |
| Equity capital | 29,396,000 | 29,930,000 | 31,063,000 | 32,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,988,000 | 8,011,000 | 11,945,000 | 15,892,000 |
| Interest expense | 504,000 | 974,000 | 1,347,000 | 1,715,000 |
| Net interest income | 3,484,000 | 7,037,000 | 10,598,000 | 14,177,000 |
| Noninterest income | 511,000 | 1,050,000 | 1,612,000 | 2,306,000 |
| Noninterest expense | 2,264,000 | 4,523,000 | 6,786,000 | 9,371,000 |
| Provision for loan losses | 91,000 | 181,000 | 202,000 | 0 |
| Pretax income | 1,640,000 | 3,383,000 | 5,222,000 | 7,112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,640,000 | 3,383,000 | 5,222,000 | 7,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,389,000 | 29,922,000 | 31,056,000 | 32,862,000 |
| Total capital | 31,698,000 | 32,141,000 | 33,298,000 | 34,862,000 |
| Risk-weighted assets | 191,798,000 | 187,374,000 | 194,612,000 | 190,749,000 |