Call reports 2013
WESTERN COMMERCE BANK — 2013
What WESTERN COMMERCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 404,535,000 | 388,602,000 | 405,581,000 | 414,183,000 |
| Total loans | 165,511,000 | 172,217,000 | 178,902,000 | 171,533,000 |
| Allowance for loan losses | 1,919,000 | 1,964,000 | 1,774,000 | 1,691,000 |
| Securities available for sale | 5,770,000 | 5,644,000 | 5,600,000 | 5,542,000 |
| Securities held to maturity | 120,117,000 | 116,973,000 | 119,131,000 | 116,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,758,000 | 351,272,000 | 367,425,000 | 374,787,000 |
| Interest-bearing deposits | 227,218,000 | 217,343,000 | 228,491,000 | 228,087,000 |
| Noninterest-bearing deposits | 140,540,000 | 133,929,000 | 138,934,000 | 146,700,000 |
| Equity capital | 31,545,000 | 32,391,000 | 33,483,000 | 35,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,648,000 | 7,432,000 | 11,359,000 | 15,113,000 |
| Interest expense | 171,000 | 335,000 | 492,000 | 649,000 |
| Net interest income | 3,477,000 | 7,097,000 | 10,867,000 | 14,464,000 |
| Noninterest income | 493,000 | 983,000 | 1,521,000 | 2,205,000 |
| Noninterest expense | 2,204,000 | 4,340,000 | 6,749,000 | 9,473,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 53,000 |
| Pretax income | 1,721,000 | 3,650,000 | 5,504,000 | 7,143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,721,000 | 3,650,000 | 5,504,000 | 7,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,537,000 | 32,384,000 | 33,477,000 | 35,065,000 |
| Total capital | 33,456,000 | 34,348,000 | 35,251,000 | 36,756,000 |
| Risk-weighted assets | 200,184,000 | 205,059,000 | 206,120,000 | 197,162,000 |