Call reports 2009
WESTERN COMMERCIAL BANK — 2009
What WESTERN COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 122,971,000 | 122,331,000 | 119,667,000 | 106,047,000 |
| Total loans | 103,151,000 | 103,787,000 | 96,386,000 | 96,942,000 |
| Allowance for loan losses | 1,359,000 | 1,634,000 | 1,604,000 | 2,003,000 |
| Securities available for sale | 5,638,000 | 6,829,000 | 8,521,000 | 5,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,120,000 | 106,503,000 | 106,170,000 | 94,443,000 |
| Interest-bearing deposits | 96,270,000 | 96,186,000 | 90,198,000 | 79,773,000 |
| Noninterest-bearing deposits | 10,849,000 | 10,317,000 | 15,972,000 | 14,670,000 |
| Equity capital | 10,016,000 | 9,799,000 | 10,590,000 | 8,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,360,000 | 4,887,000 | 6,179,000 |
| Interest expense | 829,000 | 1,572,000 | 2,256,000 | 2,781,000 |
| Net interest income | 863,000 | 1,788,000 | 2,631,000 | 3,398,000 |
| Noninterest income | 79,000 | 149,000 | 487,000 | 270,000 |
| Noninterest expense | 883,000 | 1,886,000 | 3,131,000 | 4,460,000 |
| Provision for loan losses | 35,000 | 285,000 | 485,000 | 2,531,000 |
| Pretax income | 24,000 | -234,000 | -498,000 | -3,260,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 24,000 | -235,000 | -499,000 | -3,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,985,000 | 9,777,000 | 10,464,000 | 9,054,000 |
| Total capital | 11,344,000 | 11,143,000 | 11,782,000 | 10,289,000 |
| Risk-weighted assets | 110,497,000 | 109,034,000 | 105,134,000 | 98,003,000 |