Call reports 2012
WESTERN COMMERCE BANK — 2012
What WESTERN COMMERCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 377,697,000 | 364,546,000 | 385,101,000 | 395,096,000 |
| Total loans | 164,426,000 | 166,774,000 | 171,828,000 | 168,442,000 |
| Allowance for loan losses | 1,699,000 | 1,730,000 | 1,775,000 | 1,867,000 |
| Securities available for sale | 5,828,000 | 5,859,000 | 5,882,000 | 5,817,000 |
| Securities held to maturity | 107,409,000 | 101,552,000 | 99,812,000 | 100,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,766,000 | 327,463,000 | 347,153,000 | 355,678,000 |
| Interest-bearing deposits | 223,379,000 | 208,830,000 | 220,491,000 | 219,963,000 |
| Noninterest-bearing deposits | 117,387,000 | 118,634,000 | 126,663,000 | 135,715,000 |
| Equity capital | 30,398,000 | 30,867,000 | 32,023,000 | 33,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,834,000 | 7,630,000 | 11,397,000 | 15,121,000 |
| Interest expense | 233,000 | 445,000 | 642,000 | 824,000 |
| Net interest income | 3,601,000 | 7,185,000 | 10,755,000 | 14,297,000 |
| Noninterest income | 499,000 | 1,030,000 | 1,558,000 | 2,423,000 |
| Noninterest expense | 2,393,000 | 4,686,000 | 6,938,000 | 9,425,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,662,000 | 3,439,000 | 5,240,000 | 7,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,662,000 | 3,439,000 | 5,240,000 | 7,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,391,000 | 30,859,000 | 32,015,000 | 33,836,000 |
| Total capital | 32,090,000 | 32,589,000 | 33,790,000 | 35,703,000 |
| Risk-weighted assets | 191,333,000 | 192,783,000 | 200,243,000 | 198,076,000 |