Call reports 2022
WESTERN COMMERCE BANK — 2022
What WESTERN COMMERCE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 623,377,000 | 617,420,000 | 673,693,000 | 673,367,000 |
| Total loans | 328,193,000 | 335,560,000 | 341,811,000 | 351,183,000 |
| Allowance for loan losses | 4,549,000 | 4,499,000 | 4,493,000 | 4,494,000 |
| Securities available for sale | 26,000 | 24,000 | 21,000 | 19,000 |
| Securities held to maturity | 182,934,000 | 198,667,000 | 232,991,000 | 246,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 577,071,000 | 570,090,000 | 623,693,000 | 618,193,000 |
| Interest-bearing deposits | 349,517,000 | 341,588,000 | 380,298,000 | 384,623,000 |
| Noninterest-bearing deposits | 227,553,000 | 228,503,000 | 243,395,000 | 233,570,000 |
| Equity capital | 45,956,000 | 46,830,000 | 49,306,000 | 54,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,047,000 | 10,462,000 | 16,820,000 | 25,250,000 |
| Interest expense | 95,000 | 189,000 | 367,000 | 621,000 |
| Net interest income | 4,952,000 | 10,273,000 | 16,453,000 | 24,629,000 |
| Noninterest income | 734,000 | 1,341,000 | 1,995,000 | 2,759,000 |
| Noninterest expense | 3,043,000 | 6,066,000 | 9,134,000 | 12,627,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 2,598,000 | 5,517,000 | 9,283,000 | 14,730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,598,000 | 5,517,000 | 9,283,000 | 14,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,956,000 | 46,830,000 | 49,306,000 | 54,752,000 |
| Total capital | 49,015,000 | 50,181,000 | 52,875,000 | 58,366,000 |
| Risk-weighted assets | 243,204,000 | 266,968,000 | 284,602,000 | 288,213,000 |