Call reports 2021
WESTERN COMMERCE BANK — 2021
What WESTERN COMMERCE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 603,915,000 | 595,449,000 | 613,146,000 | 631,495,000 |
| Total loans | 342,086,000 | 320,254,000 | 313,121,000 | 323,843,000 |
| Allowance for loan losses | 4,880,000 | 4,639,000 | 4,647,000 | 4,501,000 |
| Securities available for sale | 35,000 | 33,000 | 31,000 | 29,000 |
| Securities held to maturity | 107,971,000 | 122,904,000 | 136,326,000 | 153,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,763,000 | 552,356,000 | 568,566,000 | 584,138,000 |
| Interest-bearing deposits | 328,789,000 | 334,517,000 | 347,669,000 | 371,321,000 |
| Noninterest-bearing deposits | 232,974,000 | 217,838,000 | 220,896,000 | 212,818,000 |
| Equity capital | 41,906,000 | 42,728,000 | 44,078,000 | 47,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,502,000 | 9,212,000 | 13,917,000 | 19,452,000 |
| Interest expense | 113,000 | 224,000 | 335,000 | 447,000 |
| Net interest income | 4,389,000 | 8,988,000 | 13,582,000 | 19,005,000 |
| Noninterest income | 508,000 | 1,035,000 | 1,636,000 | 2,256,000 |
| Noninterest expense | 2,937,000 | 5,653,000 | 8,608,000 | 11,699,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 0 |
| Pretax income | 1,847,000 | 4,207,000 | 6,447,000 | 9,524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,847,000 | 4,207,000 | 6,447,000 | 9,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,905,000 | 42,727,000 | 44,077,000 | 47,154,000 |
| Total capital | 44,917,000 | 44,959,000 | 46,421,000 | 50,004,000 |
| Risk-weighted assets | 239,086,000 | 176,134,000 | 185,210,000 | 226,346,000 |