Western Capital Bank in Boise, Idaho (ID)
Overview, Financial Summary, Detailed Financial Reports, Branches

Western Capital Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0466688Western Capital Bank1750 Front Street, Boise, ID 83702March 31, 2008Full Service Brick and Mortar

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