Call reports 2014
COMMERCE BANK TEXAS — 2014
What COMMERCE BANK TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,787,000 | 46,746,000 | 47,084,000 | 48,718,000 |
| Total loans | 31,171,000 | 31,492,000 | 31,193,000 | 33,180,000 |
| Allowance for loan losses | 277,000 | 287,000 | 286,000 | 283,000 |
| Securities available for sale | 7,136,000 | 7,056,000 | 6,985,000 | 6,941,000 |
| Securities held to maturity | 3,529,000 | 2,757,000 | 2,732,000 | 2,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,582,000 | 37,363,000 | 39,095,000 | 40,411,000 |
| Interest-bearing deposits | 28,652,000 | 27,039,000 | 27,728,000 | 30,011,000 |
| Noninterest-bearing deposits | 9,930,000 | 10,324,000 | 11,367,000 | 10,400,000 |
| Equity capital | 6,769,000 | 6,904,000 | 7,800,000 | 8,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,014,000 | 1,511,000 | 2,038,000 |
| Interest expense | 20,000 | 39,000 | 59,000 | 78,000 |
| Net interest income | 478,000 | 975,000 | 1,452,000 | 1,960,000 |
| Noninterest income | 30,000 | 60,000 | 89,000 | 117,000 |
| Noninterest expense | 366,000 | 734,000 | 1,096,000 | 1,521,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 132,000 | 281,000 | 425,000 | 536,000 |
| Income tax | 43,000 | 96,000 | 147,000 | 186,000 |
| Net income | 89,000 | 185,000 | 278,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,332,000 | 4,434,000 | 5,316,000 | 5,534,000 |
| Total capital | 4,609,000 | 4,721,000 | 5,601,000 | 5,817,000 |
| Risk-weighted assets | 30,923,000 | 30,100,000 | 29,902,000 | 31,618,000 |
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