Call reports 2018
WESTERN COMMERCE BANK — 2018
What WESTERN COMMERCE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 439,971,000 | 439,829,000 | 471,203,000 | 493,995,000 |
| Total loans | 204,165,000 | 207,610,000 | 226,339,000 | 233,530,000 |
| Allowance for loan losses | 2,060,000 | 2,196,000 | 2,261,000 | 2,219,000 |
| Securities available for sale | 5,242,000 | 5,207,000 | 5,170,000 | 5,186,000 |
| Securities held to maturity | 118,320,000 | 122,233,000 | 119,010,000 | 124,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,352,000 | 404,473,000 | 434,167,000 | 454,208,000 |
| Interest-bearing deposits | 234,736,000 | 237,948,000 | 257,080,000 | 266,734,000 |
| Noninterest-bearing deposits | 170,616,000 | 166,525,000 | 177,087,000 | 187,474,000 |
| Equity capital | 34,414,000 | 35,092,000 | 36,591,000 | 39,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,190,000 | 8,519,000 | 13,330,000 | 18,480,000 |
| Interest expense | 191,000 | 401,000 | 640,000 | 915,000 |
| Net interest income | 3,999,000 | 8,118,000 | 12,690,000 | 17,565,000 |
| Noninterest income | 528,000 | 1,115,000 | 1,673,000 | 2,498,000 |
| Noninterest expense | 2,593,000 | 4,929,000 | 7,493,000 | 10,212,000 |
| Provision for loan losses | 60,000 | 150,000 | 240,000 | 330,000 |
| Pretax income | 1,874,000 | 4,154,000 | 6,630,000 | 9,521,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,874,000 | 4,154,000 | 6,630,000 | 9,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,414,000 | 35,091,000 | 36,590,000 | 39,500,000 |
| Total capital | 36,474,000 | 37,287,000 | 38,851,000 | 41,719,000 |
| Risk-weighted assets | 209,671,000 | 195,767,000 | 225,924,000 | 232,226,000 |