Call reports 2016
COMMERCE BANK TEXAS — 2016
What COMMERCE BANK TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,383,000 | 51,443,000 | 51,317,000 | 52,517,000 |
| Total loans | 36,878,000 | 34,995,000 | 34,985,000 | 37,989,000 |
| Allowance for loan losses | 306,000 | 311,000 | 313,000 | 318,000 |
| Securities available for sale | 4,885,000 | 4,088,000 | 4,189,000 | 3,930,000 |
| Securities held to maturity | 4,113,000 | 4,343,000 | 5,857,000 | 5,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,764,000 | 42,427,000 | 42,195,000 | 39,809,000 |
| Interest-bearing deposits | 31,666,000 | 31,320,000 | 30,225,000 | 29,719,000 |
| Noninterest-bearing deposits | 10,098,000 | 11,107,000 | 11,970,000 | 10,090,000 |
| Equity capital | 8,635,000 | 8,753,000 | 8,854,000 | 8,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 575,000 | 1,140,000 | 1,690,000 | 2,267,000 |
| Interest expense | 19,000 | 41,000 | 63,000 | 85,000 |
| Net interest income | 556,000 | 1,099,000 | 1,627,000 | 2,182,000 |
| Noninterest income | 31,000 | 61,000 | 90,000 | 118,000 |
| Noninterest expense | 412,000 | 833,000 | 1,242,000 | 1,648,000 |
| Provision for loan losses | 5,000 | 10,000 | 12,000 | 17,000 |
| Pretax income | 170,000 | 317,000 | 463,000 | 635,000 |
| Income tax | 55,000 | 102,000 | 151,000 | 206,000 |
| Net income | 115,000 | 215,000 | 312,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,041,000 | 6,140,000 | 6,236,000 | 6,354,000 |
| Total capital | 6,347,000 | 6,451,000 | 6,549,000 | 6,672,000 |
| Risk-weighted assets | 33,243,000 | 33,592,000 | 33,522,000 | 35,960,000 |