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 | 60,608,000 | 64,148,000 | 62,893,000 | 63,531,000 |
| Total loans | 37,832,000 | 41,021,000 | 43,058,000 | 42,864,000 |
| Allowance for loan losses | 601,000 | 623,000 | 637,000 | 687,000 |
| Securities available for sale | 16,056,000 | 16,005,000 | 15,189,000 | 14,686,000 |
| Securities held to maturity | 605,000 | 404,000 | 403,000 | 402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,389,000 | 57,213,000 | 55,403,000 | 55,986,000 |
| Interest-bearing deposits | 44,015,000 | 45,122,000 | 45,207,000 | 45,255,000 |
| Noninterest-bearing deposits | 9,374,000 | 12,091,000 | 10,196,000 | 10,731,000 |
| Equity capital | 6,293,000 | 6,034,000 | 6,616,000 | 6,750,000 |
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 | 816,000 | 1,654,000 | 2,545,000 | 3,468,000 |
| Interest expense | 237,000 | 477,000 | 730,000 | 1,000,000 |
| Net interest income | 579,000 | 1,177,000 | 1,815,000 | 2,468,000 |
| Noninterest income | 170,000 | 382,000 | 557,000 | 742,000 |
| Noninterest expense | 468,000 | 900,000 | 1,292,000 | 1,741,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 251,000 | 599,000 | 990,000 | 1,319,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 599,000 | 990,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,837,000 | 6,080,000 | 6,368,000 | 6,592,000 |
| Total capital | 6,311,000 | 6,593,000 | 6,896,000 | 7,113,000 |
| Risk-weighted assets | 37,804,000 | 40,954,000 | 42,095,000 | 41,552,000 |
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