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 | 55,087,000 | 57,806,000 | 58,429,000 | 59,229,000 |
| Total loans | 33,837,000 | 34,487,000 | 35,641,000 | 36,418,000 |
| Allowance for loan losses | 578,000 | 600,000 | 619,000 | 581,000 |
| Securities available for sale | 13,580,000 | 14,822,000 | 15,907,000 | 16,600,000 |
| Securities held to maturity | 715,000 | 713,000 | 710,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,392,000 | 50,773,000 | 51,478,000 | 52,134,000 |
| Interest-bearing deposits | 40,434,000 | 42,513,000 | 43,191,000 | 41,745,000 |
| Noninterest-bearing deposits | 7,958,000 | 8,260,000 | 8,287,000 | 10,389,000 |
| Equity capital | 5,533,000 | 5,898,000 | 5,854,000 | 6,076,000 |
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 | 791,000 | 1,600,000 | 2,412,000 | 3,234,000 |
| Interest expense | 272,000 | 543,000 | 804,000 | 1,046,000 |
| Net interest income | 519,000 | 1,057,000 | 1,608,000 | 2,188,000 |
| Noninterest income | 162,000 | 353,000 | 534,000 | 700,000 |
| Noninterest expense | 447,000 | 840,000 | 1,258,000 | 1,678,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 204,000 | 510,000 | 794,000 | 1,090,000 |
| Income tax | 55,000 | 82,000 | 95,000 | 108,000 |
| Net income | 149,000 | 428,000 | 699,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,172,000 | 5,368,000 | 5,556,000 | 5,758,000 |
| Total capital | 5,597,000 | 5,807,000 | 6,009,000 | 6,221,000 |
| Risk-weighted assets | 33,873,000 | 34,985,000 | 36,036,000 | 36,939,000 |
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