Call reports 2007
COMMERCE BANK TEXAS — 2007
What COMMERCE BANK TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,127,000 | 25,016,000 | 25,850,000 | 25,425,000 |
| Total loans | 9,546,000 | 9,601,000 | 9,878,000 | 9,419,000 |
| Allowance for loan losses | 429,000 | 391,000 | 341,000 | 288,000 |
| Securities available for sale | 10,765,000 | 10,431,000 | 10,930,000 | 8,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,872,000 | 20,626,000 | 21,138,000 | 22,109,000 |
| Interest-bearing deposits | 16,837,000 | 15,752,000 | 16,227,000 | 17,183,000 |
| Noninterest-bearing deposits | 5,034,000 | 4,874,000 | 4,911,000 | 4,926,000 |
| Equity capital | 3,597,000 | 3,654,000 | 3,879,000 | 3,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 762,000 | 1,150,000 | 1,536,000 |
| Interest expense | 125,000 | 233,000 | 345,000 | 461,000 |
| Net interest income | 261,000 | 529,000 | 805,000 | 1,075,000 |
| Noninterest income | 68,000 | 134,000 | 178,000 | 258,000 |
| Noninterest expense | 235,000 | 471,000 | 659,000 | 956,000 |
| Provision for loan losses | 0 | -62,000 | -112,000 | -162,000 |
| Pretax income | 94,000 | 254,000 | 493,000 | 597,000 |
| Income tax | 26,000 | 70,000 | 126,000 | 169,000 |
| Net income | 68,000 | 184,000 | 367,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,635,000 | 3,750,000 | 3,934,000 | 3,244,000 |
| Total capital | 3,810,000 | 3,924,000 | 4,110,000 | 3,413,000 |
| Risk-weighted assets | 13,746,000 | 13,729,000 | 13,950,000 | 13,382,000 |
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