FDIC Certificate #: 58752 Status: Active Federal Reserve ID: 3678857 Bank Holding Company (Regulatory Top Holder): Gwy, Llc (RSSDID: 3683619, Location: Bellevue, WA) Date Established: March 31, 2008 WWW:http://www.westerncapitalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 466688 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 31, 2008 Last Structure Change Effective Date: May 02, 2008 Last Structure Change Process Date: May 02, 2008 Last Data Update: May 02, 2008 Data Source Date: April 05, 2012
Location
Address: 1750 Front Street, Boise, ID 83702 County: Ada Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Salt Lake City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Boise City, ID (#1080) Core Based Statistical Area (CBSA): Boise City-Nampa, ID (#14260) CBSA Metro Statistical Area: Boise City-Nampa, ID (#14260)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $158.4 mil Equity capital: $32.7 mil Deposits held in domestic offices: $125.2 mil Return on assets (ROA): 0.68% ($1.1 mil) Quarterly return on assets: 1.71% ($2.7 mil) Return on Equity (ROE): 2.39% ($0.8 mil) Quarterly return on equity: 7.10% ($2.3 mil) Net income: $0.8 mil Quarterly Net income: $0.6 mil Pretax return on assets: 0.68% ($1,077.3 mil) Quarterly Pretax return on assets: 1.71% ($2,709.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
22Total employees (full-time equivalent)
$158,429Total assets
$41,096Cash and due from depository institutions
$37,949Interest-bearing balances
$34,642Securities
$0Federal funds sold & reverse repurchase agreements
$81,916Net loans & leases
$1,095Loan loss allowance
$0Trading account assets
$314Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$158,429Life insurance assets
$461All other assets
$125,725Total liabilities and capital
$125,171Total liabilities
$104,994Total deposits
$125,171Interest-bearing deposits
$47Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$554Subordinated debt
$32,704All other liabilities
$32,704Total equity capital
$32,704Total bank equity capital
$0Perpetual preferred stock
$3,500Common stock
$32,984Surplus
$-3,780Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,831Income earned, not collected on loans
$1,831Earning assets
$286Long-term assets (5+ years)
$154,507Average Assets, year-to-date
$16,541Average Assets, quarterly
$113,049Volatile liabilities
$135,059Insider loans
$120,076FHLB advances
$118,076Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$32,927Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$39,925Restructured Loans and leases
$136Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,458Total interest income
$528Total interest expense
$4,930Net interest income
$368Provision for loan and lease losses
$146Total noninterest income
$0Fiduciary activities
$97Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$4,030Total noninterest expense
$2,328Salaries and employee benefits
$188Premises and equipment expense
$1,514Additional noninterest expense
$678Pre-tax net operating income
$95Securities gains (losses)
$0Applicable income taxes
$773Income before extraordinary items
$0Extraordinary gains - net
$773Net income attributable to bank
$0Net charge-offs
$773Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$330Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
0.48%Cost of funding earning assets
4.45%Net interest margin
0.13%Noninterest income to earning assets
3.64%Noninterest expense to earning assets
0.60%Net operating income to assets
0.68%Return on assets (ROA)
0.68%Pretax return on assets
2.39%Return on equity (ROE)
1.37%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-3345.45%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,393Assets per employee
7.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.69%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
59.80%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
2.21%Net loans and leases to deposits
65.44%Net loans and leases to core deposits
86.49%Equity capital to assets
20.64%Core capital (leverage) ratio
27.89%Tier 1 risk-based capital ratio
27.42%Total risk-based capital ratio
Memoranda
$28Average assets
$113,049Average earning assets
$32,345Average equity
$110,699Average loans
List of branches
1 Idaho Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
466688
Western Capital Bank
1750 Front Street, Boise, ID 83702
March 31, 2008
Full Service Brick and Mortar
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