Call reports 2015
WESTERN COMMERCE BANK — 2015
What WESTERN COMMERCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 453,783,000 | 439,831,000 | 444,116,000 | 435,340,000 |
| Total loans | 176,396,000 | 176,544,000 | 180,046,000 | 169,495,000 |
| Allowance for loan losses | 1,840,000 | 1,889,000 | 1,935,000 | 1,801,000 |
| Securities available for sale | 5,586,000 | 5,531,000 | 5,539,000 | 5,480,000 |
| Securities held to maturity | 126,627,000 | 134,235,000 | 133,729,000 | 129,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,604,000 | 405,277,000 | 408,406,000 | 398,079,000 |
| Interest-bearing deposits | 243,764,000 | 231,716,000 | 243,372,000 | 240,853,000 |
| Noninterest-bearing deposits | 175,840,000 | 173,561,000 | 165,034,000 | 157,226,000 |
| Equity capital | 33,977,000 | 34,364,000 | 35,508,000 | 37,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,717,000 | 7,473,000 | 11,280,000 | 14,986,000 |
| Interest expense | 122,000 | 243,000 | 368,000 | 495,000 |
| Net interest income | 3,595,000 | 7,230,000 | 10,912,000 | 14,491,000 |
| Noninterest income | 513,000 | 1,030,000 | 1,551,000 | 2,295,000 |
| Noninterest expense | 2,397,000 | 4,746,000 | 7,100,000 | 9,896,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 0 |
| Pretax income | 1,666,000 | 3,424,000 | 5,228,000 | 6,890,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,666,000 | 3,424,000 | 5,228,000 | 6,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,973,000 | 34,360,000 | 35,505,000 | 37,118,000 |
| Total capital | 35,813,000 | 36,249,000 | 37,440,000 | 38,919,000 |
| Risk-weighted assets | 197,927,000 | 191,593,000 | 199,022,000 | 186,923,000 |