Call reports 2020
WESTERN COMMERCE BANK — 2020
What WESTERN COMMERCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 537,198,000 | 581,854,000 | 556,274,000 | 555,863,000 |
| Total loans | 257,363,000 | 329,529,000 | 336,221,000 | 329,744,000 |
| Allowance for loan losses | 3,079,000 | 4,152,000 | 4,226,000 | 4,799,000 |
| Securities available for sale | 5,237,000 | 44,000 | 41,000 | 37,000 |
| Securities held to maturity | 133,811,000 | 129,821,000 | 117,012,000 | 105,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,310,000 | 541,203,000 | 512,865,000 | 511,412,000 |
| Interest-bearing deposits | 284,034,000 | 295,623,000 | 300,769,000 | 304,644,000 |
| Noninterest-bearing deposits | 213,276,000 | 245,580,000 | 212,096,000 | 206,768,000 |
| Equity capital | 39,597,000 | 40,162,000 | 42,896,000 | 44,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,291,000 | 11,442,000 | 16,617,000 | 21,355,000 |
| Interest expense | 259,000 | 501,000 | 687,000 | 827,000 |
| Net interest income | 5,032,000 | 10,941,000 | 15,930,000 | 20,528,000 |
| Noninterest income | 540,000 | 1,029,000 | 1,517,000 | 2,045,000 |
| Noninterest expense | 2,783,000 | 5,713,000 | 8,409,000 | 11,282,000 |
| Provision for loan losses | 250,000 | 1,325,000 | 1,400,000 | 1,975,000 |
| Pretax income | 2,539,000 | 4,998,000 | 7,702,000 | 9,160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,539,000 | 4,998,000 | 7,702,000 | 9,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,596,000 | 40,161,000 | 42,894,000 | 44,353,000 |
| Total capital | 42,675,000 | 43,310,000 | 46,849,000 | 46,935,000 |
| Risk-weighted assets | 248,607,000 | 250,913,000 | 316,162,000 | 204,323,000 |