Call reports 2019
WESTERN COMMERCE BANK — 2019
What WESTERN COMMERCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 522,771,000 | 520,752,000 | 524,545,000 | 522,839,000 |
| Total loans | 238,701,000 | 247,284,000 | 253,245,000 | 253,901,000 |
| Allowance for loan losses | 2,352,000 | 2,579,000 | 2,807,000 | 2,811,000 |
| Securities available for sale | 5,213,000 | 5,249,000 | 5,263,000 | 5,239,000 |
| Securities held to maturity | 120,895,000 | 117,010,000 | 136,320,000 | 136,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,069,000 | 482,045,000 | 483,927,000 | 479,908,000 |
| Interest-bearing deposits | 274,783,000 | 278,532,000 | 269,621,000 | 278,494,000 |
| Noninterest-bearing deposits | 210,286,000 | 203,513,000 | 214,307,000 | 201,414,000 |
| Equity capital | 37,379,000 | 38,203,000 | 40,129,000 | 42,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,264,000 | 10,822,000 | 16,459,000 | 21,918,000 |
| Interest expense | 309,000 | 630,000 | 945,000 | 1,244,000 |
| Net interest income | 4,955,000 | 10,192,000 | 15,514,000 | 20,674,000 |
| Noninterest income | 551,000 | 1,138,000 | 1,709,000 | 2,354,000 |
| Noninterest expense | 2,517,000 | 5,073,000 | 7,718,000 | 10,867,000 |
| Provision for loan losses | 135,000 | 360,000 | 585,000 | 605,000 |
| Pretax income | 2,854,000 | 5,897,000 | 8,920,000 | 11,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,854,000 | 5,897,000 | 8,920,000 | 11,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,378,000 | 38,202,000 | 40,128,000 | 42,743,000 |
| Total capital | 39,730,000 | 40,781,000 | 42,935,000 | 45,554,000 |
| Risk-weighted assets | 234,337,000 | 242,128,000 | 249,190,000 | 248,498,000 |