Call reports 2005
COMMERCE BANK TEXAS — 2005
What COMMERCE BANK TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,610,000 | 26,688,000 | 25,532,000 | 25,642,000 |
| Total loans | 11,386,000 | 11,412,000 | 10,844,000 | 9,922,000 |
| Allowance for loan losses | 422,000 | 430,000 | 428,000 | 428,000 |
| Securities available for sale | 10,556,000 | 10,777,000 | 9,854,000 | 9,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,816,000 | 21,862,000 | 20,747,000 | 21,596,000 |
| Interest-bearing deposits | 17,461,000 | 17,286,000 | 16,188,000 | 16,797,000 |
| Noninterest-bearing deposits | 5,356,000 | 4,575,000 | 4,558,000 | 4,798,000 |
| Equity capital | 3,992,000 | 4,150,000 | 4,174,000 | 3,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 666,000 | 1,001,000 | 1,338,000 |
| Interest expense | 67,000 | 138,000 | 216,000 | 296,000 |
| Net interest income | 267,000 | 528,000 | 785,000 | 1,042,000 |
| Noninterest income | 81,000 | 156,000 | 214,000 | 282,000 |
| Noninterest expense | 235,000 | 420,000 | 657,000 | 897,000 |
| Provision for loan losses | 22,000 | 29,000 | 29,000 | 29,000 |
| Pretax income | 91,000 | 235,000 | 313,000 | 398,000 |
| Income tax | 21,000 | 62,000 | 94,000 | 109,000 |
| Net income | 70,000 | 173,000 | 219,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,031,000 | 4,135,000 | 4,179,000 | 3,500,000 |
| Total capital | 4,227,000 | 4,329,000 | 4,362,000 | 3,679,000 |
| Risk-weighted assets | 15,476,000 | 15,268,000 | 14,419,000 | 14,068,000 |
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