Call reports 2014
WESTERN COMMERCE BANK — 2014
What WESTERN COMMERCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 427,508,000 | 409,819,000 | 424,040,000 | 440,170,000 |
| Total loans | 173,937,000 | 173,392,000 | 184,481,000 | 176,023,000 |
| Allowance for loan losses | 1,733,000 | 1,780,000 | 1,825,000 | 1,792,000 |
| Securities available for sale | 5,548,000 | 5,573,000 | 5,556,000 | 5,571,000 |
| Securities held to maturity | 116,040,000 | 125,493,000 | 127,371,000 | 124,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,105,000 | 375,798,000 | 389,108,000 | 403,560,000 |
| Interest-bearing deposits | 231,644,000 | 222,979,000 | 234,020,000 | 238,364,000 |
| Noninterest-bearing deposits | 159,461,000 | 152,819,000 | 155,089,000 | 165,196,000 |
| Equity capital | 32,420,000 | 32,830,000 | 34,054,000 | 36,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,681,000 | 7,460,000 | 11,366,000 | 15,206,000 |
| Interest expense | 151,000 | 297,000 | 425,000 | 550,000 |
| Net interest income | 3,530,000 | 7,163,000 | 10,941,000 | 14,656,000 |
| Noninterest income | 487,000 | 980,000 | 1,591,000 | 3,105,000 |
| Noninterest expense | 2,297,000 | 4,744,000 | 7,109,000 | 10,274,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,675,000 | 3,309,000 | 5,288,000 | 7,307,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,675,000 | 3,309,000 | 5,288,000 | 7,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,415,000 | 32,827,000 | 34,051,000 | 36,092,000 |
| Total capital | 34,148,000 | 34,607,000 | 35,876,000 | 37,884,000 |
| Risk-weighted assets | 201,530,000 | 203,262,000 | 217,480,000 | 207,679,000 |