Call reports 2015
COMMERCE BANK TEXAS — 2015
What COMMERCE BANK TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 49,061,000 | 48,430,000 | 51,305,000 | 51,659,000 |
| Total loans | 32,245,000 | 34,966,000 | 35,342,000 | 34,594,000 |
| Allowance for loan losses | 288,000 | 293,000 | 298,000 | 301,000 |
| Securities available for sale | 6,927,000 | 5,953,000 | 5,069,000 | 4,951,000 |
| Securities held to maturity | 1,936,000 | 2,663,000 | 2,641,000 | 5,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,504,000 | 39,106,000 | 41,015,000 | 42,850,000 |
| Interest-bearing deposits | 29,598,000 | 29,321,000 | 30,928,000 | 31,352,000 |
| Noninterest-bearing deposits | 10,906,000 | 9,785,000 | 10,087,000 | 11,498,000 |
| Equity capital | 8,228,000 | 8,266,000 | 8,407,000 | 8,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,056,000 | 1,609,000 | 2,151,000 |
| Interest expense | 19,000 | 39,000 | 58,000 | 78,000 |
| Net interest income | 506,000 | 1,017,000 | 1,551,000 | 2,073,000 |
| Noninterest income | 29,000 | 55,000 | 83,000 | 114,000 |
| Noninterest expense | 400,000 | 797,000 | 1,190,000 | 1,607,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 18,000 |
| Pretax income | 130,000 | 265,000 | 429,000 | 562,000 |
| Income tax | 45,000 | 90,000 | 145,000 | 185,000 |
| Net income | 85,000 | 175,000 | 284,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,626,000 | 5,723,000 | 5,832,000 | 5,925,000 |
| Total capital | 5,914,000 | 6,016,000 | 6,130,000 | 6,226,000 |
| Risk-weighted assets | 29,766,000 | 31,251,000 | 31,753,000 | 31,099,000 |