Call reports 2025
WESTERN COMMERCE BANK — 2025
What WESTERN COMMERCE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 830,901,000 | 804,405,000 | 829,100,000 | 866,586,000 |
| Total loans | 454,894,000 | 456,384,000 | 462,148,000 | 477,738,000 |
| Allowance for loan losses | 4,964,000 | 5,040,000 | 5,188,000 | 5,165,000 |
| Securities available for sale | 2,494,000 | 3,684,000 | 5,585,000 | 6,320,000 |
| Securities held to maturity | 253,341,000 | 255,289,000 | 251,870,000 | 248,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 755,863,000 | 727,302,000 | 747,662,000 | 780,251,000 |
| Interest-bearing deposits | 462,587,000 | 465,970,000 | 472,684,000 | 515,354,000 |
| Noninterest-bearing deposits | 293,276,000 | 261,332,000 | 274,978,000 | 264,897,000 |
| Equity capital | 72,590,000 | 74,465,000 | 78,601,000 | 85,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,224,000 | 22,872,000 | 34,487,000 | 46,818,000 |
| Interest expense | 957,000 | 1,911,000 | 2,881,000 | 3,779,000 |
| Net interest income | 10,267,000 | 20,961,000 | 31,606,000 | 43,039,000 |
| Noninterest income | 673,000 | 1,340,000 | 1,985,000 | 2,698,000 |
| Noninterest expense | 4,750,000 | 9,243,000 | 13,818,000 | 19,201,000 |
| Provision for loan losses | 300,000 | 375,000 | 450,000 | 450,000 |
| Pretax income | 5,890,000 | 12,683,000 | 19,323,000 | 26,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,890,000 | 12,683,000 | 19,323,000 | 26,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,608,000 | 74,482,000 | 78,607,000 | 85,371,000 |
| Total capital | 77,154,000 | 78,846,000 | 83,795,000 | 89,976,000 |
| Risk-weighted assets | 363,299,000 | 348,461,000 | 471,236,000 | 367,901,000 |