Call reports 2003
COMMERCE BANK — 2003
What COMMERCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 381,936,000 | 446,788,000 | 422,260,000 | 375,323,000 |
| Total loans | 129,608,000 | 128,842,000 | 125,386,000 | 123,689,000 |
| Allowance for loan losses | 2,796,000 | 2,665,000 | 2,720,000 | 2,348,000 |
| Securities available for sale | 220,498,000 | 284,010,000 | 235,545,000 | 168,610,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,666,000 | 323,918,000 | 319,979,000 | 318,685,000 |
| Interest-bearing deposits | 321,218,000 | 313,514,000 | 314,037,000 | 289,769,000 |
| Noninterest-bearing deposits | 7,448,000 | 10,404,000 | 5,942,000 | 28,916,000 |
| Equity capital | 41,524,000 | 42,564,000 | 42,563,000 | 44,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,968,000 | 9,883,000 | 14,440,000 | 18,519,000 |
| Interest expense | 1,512,000 | 2,956,000 | 4,234,000 | 5,238,000 |
| Net interest income | 3,456,000 | 6,927,000 | 10,206,000 | 13,281,000 |
| Noninterest income | 850,000 | 1,718,000 | 2,617,000 | 3,287,000 |
| Noninterest expense | 1,525,000 | 3,216,000 | 4,933,000 | 6,610,000 |
| Provision for loan losses | 59,000 | 118,000 | 180,000 | 237,000 |
| Pretax income | 2,833,000 | 5,577,000 | 8,493,000 | 10,795,000 |
| Income tax | 951,000 | 1,870,000 | 2,850,000 | 3,562,000 |
| Net income | 1,882,000 | 3,707,000 | 5,643,000 | 7,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,386,000 | 31,263,000 | 33,252,000 | 34,895,000 |
| Total capital | 31,523,000 | 33,529,000 | 35,425,000 | 37,003,000 |
| Risk-weighted assets | 164,934,000 | 176,810,000 | 171,945,000 | 166,807,000 |
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