Call reports 2016
WESTERN COMMERCE BANK — 2016
What WESTERN COMMERCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 437,253,000 | 414,147,000 | 411,742,000 | 413,936,000 |
| Total loans | 166,357,000 | 161,693,000 | 168,670,000 | 168,777,000 |
| Allowance for loan losses | 1,846,000 | 1,832,000 | 1,788,000 | 1,832,000 |
| Securities available for sale | 5,500,000 | 5,509,000 | 5,480,000 | 5,375,000 |
| Securities held to maturity | 126,882,000 | 116,964,000 | 105,833,000 | 119,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,846,000 | 379,345,000 | 376,105,000 | 367,166,000 |
| Interest-bearing deposits | 243,878,000 | 230,627,000 | 230,503,000 | 219,703,000 |
| Noninterest-bearing deposits | 158,969,000 | 148,718,000 | 145,602,000 | 147,463,000 |
| Equity capital | 34,279,000 | 34,631,000 | 35,453,000 | 36,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,629,000 | 7,149,000 | 10,621,000 | 13,980,000 |
| Interest expense | 132,000 | 267,000 | 403,000 | 538,000 |
| Net interest income | 3,497,000 | 6,882,000 | 10,218,000 | 13,442,000 |
| Noninterest income | 524,000 | 1,025,000 | 1,517,000 | 2,164,000 |
| Noninterest expense | 2,448,000 | 4,793,000 | 7,204,000 | 9,764,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,528,000 | 3,024,000 | 4,396,000 | 5,662,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,528,000 | 3,024,000 | 4,396,000 | 5,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,276,000 | 34,628,000 | 35,451,000 | 36,618,000 |
| Total capital | 36,122,000 | 36,460,000 | 37,239,000 | 38,450,000 |
| Risk-weighted assets | 182,517,000 | 175,837,000 | 178,690,000 | 181,370,000 |