Call reports 2004
COMMERCE BANK — 2004
What COMMERCE BANK 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 | 368,547,000 | 377,072,000 | 383,916,000 | 415,462,000 |
| Total loans | 120,627,000 | 123,715,000 | 120,782,000 | 128,226,000 |
| Allowance for loan losses | 2,409,000 | 2,347,000 | 2,380,000 | 2,315,000 |
| Securities available for sale | 141,214,000 | 223,508,000 | 216,284,000 | 247,101,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,447,000 | 309,629,000 | 304,018,000 | 329,987,000 |
| Interest-bearing deposits | 279,269,000 | 279,214,000 | 271,469,000 | 298,281,000 |
| Noninterest-bearing deposits | 31,178,000 | 30,415,000 | 32,549,000 | 31,706,000 |
| Equity capital | 45,776,000 | 35,571,000 | 38,773,000 | 41,916,000 |
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 | 3,559,000 | 7,149,000 | 11,119,000 | 15,419,000 |
| Interest expense | 912,000 | 1,851,000 | 2,880,000 | 4,074,000 |
| Net interest income | 2,647,000 | 5,298,000 | 8,239,000 | 11,345,000 |
| Noninterest income | 951,000 | 1,857,000 | 2,843,000 | 5,275,000 |
| Noninterest expense | 1,616,000 | 3,221,000 | 4,754,000 | 6,048,000 |
| Provision for loan losses | 61,000 | 126,000 | 215,000 | 323,000 |
| Pretax income | 2,476,000 | 4,363,000 | 7,316,000 | 11,446,000 |
| Income tax | 824,000 | 1,443,000 | 2,436,000 | 3,787,000 |
| Net income | 1,652,000 | 2,920,000 | 4,880,000 | 7,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,588,000 | 28,147,000 | 30,149,000 | 32,970,000 |
| Total capital | 38,644,000 | 30,247,000 | 32,371,000 | 35,241,000 |
| Risk-weighted assets | 162,958,000 | 167,783,000 | 176,364,000 | 180,327,000 |
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