Call reports 2023
WESTERN COMMERCE BANK — 2023
What WESTERN COMMERCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 714,148,000 | 773,087,000 | 759,556,000 | 791,385,000 |
| Total loans | 357,749,000 | 413,468,000 | 423,971,000 | 440,276,000 |
| Allowance for loan losses | 4,440,000 | 4,984,000 | 4,985,000 | 5,322,000 |
| Securities available for sale | 18,000 | 4,356,000 | 681,000 | 682,000 |
| Securities held to maturity | 259,124,000 | 258,532,000 | 272,817,000 | 262,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,451,000 | 706,995,000 | 690,269,000 | 716,780,000 |
| Interest-bearing deposits | 401,832,000 | 432,060,000 | 420,062,000 | 437,266,000 |
| Noninterest-bearing deposits | 258,619,000 | 274,935,000 | 270,207,000 | 279,514,000 |
| Equity capital | 53,132,000 | 60,333,000 | 64,316,000 | 70,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,785,000 | 16,722,000 | 26,796,000 | 37,553,000 |
| Interest expense | 323,000 | 746,000 | 1,180,000 | 1,793,000 |
| Net interest income | 7,462,000 | 15,976,000 | 25,616,000 | 35,760,000 |
| Noninterest income | 591,000 | 1,220,000 | 1,905,000 | 2,666,000 |
| Noninterest expense | 3,279,000 | 6,661,000 | 10,448,000 | 15,090,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 4,774,000 | 10,510,000 | 16,991,000 | 22,954,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,774,000 | 10,510,000 | 16,991,000 | 22,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,132,000 | 60,358,000 | 64,343,000 | 70,305,000 |
| Total capital | 56,818,000 | 65,001,000 | 68,826,000 | 74,821,000 |
| Risk-weighted assets | 294,144,000 | 371,070,000 | 358,181,000 | 360,494,000 |