Call reports 2004
COMMERCE BANK & TRUST — 2004
What COMMERCE BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,649,000 | 43,195,000 | 49,379,000 | 51,894,000 |
| Total loans | 20,515,000 | 24,663,000 | 29,616,000 | 34,924,000 |
| Allowance for loan losses | 284,000 | 285,000 | 375,000 | 430,000 |
| Securities available for sale | 16,534,000 | 14,851,000 | 11,923,000 | 9,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,170,000 | 37,979,000 | 44,253,000 | 46,855,000 |
| Interest-bearing deposits | 31,854,000 | 34,460,000 | 40,094,000 | 42,749,000 |
| Noninterest-bearing deposits | 3,316,000 | 3,519,000 | 4,159,000 | 4,106,000 |
| Equity capital | 5,437,000 | 5,125,000 | 5,079,000 | 4,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 713,000 | 1,171,000 | 1,738,000 |
| Interest expense | 73,000 | 184,000 | 311,000 | 495,000 |
| Net interest income | 254,000 | 529,000 | 860,000 | 1,243,000 |
| Noninterest income | 4,000 | 8,000 | 14,000 | 24,000 |
| Noninterest expense | 386,000 | 795,000 | 1,152,000 | 1,557,000 |
| Provision for loan losses | 7,000 | 8,000 | 98,000 | 153,000 |
| Pretax income | -135,000 | -266,000 | -385,000 | -476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -135,000 | -266,000 | -385,000 | -476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,415,000 | 5,284,000 | 5,164,000 | 5,073,000 |
| Total capital | 5,699,000 | 5,602,000 | 5,539,000 | 5,503,000 |
| Risk-weighted assets | 23,859,000 | 27,067,000 | 30,638,000 | 36,940,000 |
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