Call reports 2011
WESTERN COMMERCE BANK — 2011
What WESTERN COMMERCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 343,794,000 | 338,922,000 | 351,430,000 | 363,825,000 |
| Total loans | 168,929,000 | 167,265,000 | 170,944,000 | 165,741,000 |
| Allowance for loan losses | 2,028,000 | 2,053,000 | 2,061,000 | 1,897,000 |
| Securities available for sale | 5,760,000 | 5,789,000 | 5,855,000 | 5,829,000 |
| Securities held to maturity | 90,315,000 | 88,804,000 | 97,736,000 | 99,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,158,000 | 300,652,000 | 312,592,000 | 323,702,000 |
| Interest-bearing deposits | 216,132,000 | 205,921,000 | 214,274,000 | 219,735,000 |
| Noninterest-bearing deposits | 90,026,000 | 94,730,000 | 98,318,000 | 103,967,000 |
| Equity capital | 29,396,000 | 30,611,000 | 31,653,000 | 33,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,859,000 | 7,714,000 | 11,607,000 | 15,494,000 |
| Interest expense | 336,000 | 646,000 | 931,000 | 1,194,000 |
| Net interest income | 3,523,000 | 7,068,000 | 10,676,000 | 14,300,000 |
| Noninterest income | 484,000 | 986,000 | 1,505,000 | 2,207,000 |
| Noninterest expense | 2,224,000 | 4,404,000 | 6,638,000 | 9,290,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 1,762,000 | 3,608,000 | 5,480,000 | 7,133,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,762,000 | 3,608,000 | 5,480,000 | 7,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,386,000 | 30,601,000 | 31,644,000 | 33,280,000 |
| Total capital | 31,414,000 | 32,654,000 | 33,705,000 | 35,177,000 |
| Risk-weighted assets | 191,041,000 | 190,301,000 | 192,395,000 | 187,707,000 |