Western Commercial Bank last month agreed to take actions to correct problems found by the FDIC and the California Department of Financial Institutions.

The cease and desist order alleged the bank's board of directors failed to provide adequate supervision; that the bank operated with inadequate capital; had a large dollar amount of poor quality loans; and operated with inadequate provisions for liquidity.

Western Commercial was ordered to retain qualified management and restore all aspects of the bank to a safe and sound condition.

Among other changes, within 30 days, the bank is to develop a plan to reduce and collect delinquent loans, and within 90 days it is to increase its capital by $1 million and maintain capital that is 9.5 percent of the bank's total assets.