Call reports 2025
COMMERCE BANK & TRUST — 2025
What COMMERCE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 170,268,000 | 168,736,000 | 175,952,000 | 188,931,000 |
| Total loans | 126,386,000 | 127,362,000 | 126,423,000 | 124,133,000 |
| Allowance for loan losses | 1,798,000 | 1,823,000 | 1,845,000 | 2,047,000 |
| Securities available for sale | 24,619,000 | 24,224,000 | 24,482,000 | 24,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,806,000 | 142,834,000 | 149,454,000 | 163,984,000 |
| Interest-bearing deposits | 89,346,000 | 102,346,000 | 99,467,000 | 97,557,000 |
| Noninterest-bearing deposits | 62,460,000 | 40,488,000 | 49,987,000 | 66,427,000 |
| Equity capital | 12,027,000 | 12,301,000 | 13,235,000 | 13,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,108,000 | 4,272,000 | 6,435,000 | 8,602,000 |
| Interest expense | 712,000 | 1,424,000 | 2,241,000 | 3,016,000 |
| Net interest income | 1,396,000 | 2,848,000 | 4,194,000 | 5,586,000 |
| Noninterest income | 91,000 | 163,000 | 272,000 | 368,000 |
| Noninterest expense | 1,107,000 | 2,249,000 | 3,413,000 | 4,529,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 265,000 |
| Pretax income | 355,000 | 712,000 | 978,000 | 1,135,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 355,000 | 712,000 | 978,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,437,000 | 17,794,000 | 18,061,000 | 18,217,000 |
| Total capital | 19,147,000 | 19,514,000 | 19,761,000 | 19,878,000 |
| Risk-weighted assets | 136,647,000 | 137,477,000 | 135,867,000 | 132,464,000 |
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