Call reports 2008
COMMERCE BANK TEXAS — 2008
What COMMERCE BANK TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 24,284,000 | 27,584,000 | 29,655,000 | 30,868,000 |
| Total loans | 9,604,000 | 9,902,000 | 11,716,000 | 13,447,000 |
| Allowance for loan losses | 287,000 | 281,000 | 317,000 | 306,000 |
| Securities available for sale | 7,159,000 | 9,235,000 | 9,353,000 | 9,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,836,000 | 21,164,000 | 23,119,000 | 24,234,000 |
| Interest-bearing deposits | 15,924,000 | 16,214,000 | 17,180,000 | 18,649,000 |
| Noninterest-bearing deposits | 4,912,000 | 4,949,000 | 5,938,000 | 5,585,000 |
| Equity capital | 3,351,000 | 6,229,000 | 6,398,000 | 6,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 341,000 | 108,000 | 467,000 | 804,000 |
| Interest expense | 119,000 | 33,000 | 134,000 | 235,000 |
| Net interest income | 222,000 | 75,000 | 333,000 | 569,000 |
| Noninterest income | 51,000 | 17,000 | 66,000 | 115,000 |
| Noninterest expense | 215,000 | 78,000 | 290,000 | 622,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 14,000 | 109,000 | 62,000 |
| Income tax | 15,000 | 4,000 | 34,000 | 24,000 |
| Net income | 44,000 | 10,000 | 75,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,288,000 | 3,790,000 | 3,866,000 | 3,836,000 |
| Total capital | 3,452,000 | 3,958,000 | 4,089,000 | 4,044,000 |
| Risk-weighted assets | 13,007,000 | 13,309,000 | 17,200,000 | 16,550,000 |
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