Call reports 2008
COMMERCE BANK — 2008
What COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 82,756,000 | 81,469,000 | 81,291,000 | 84,558,000 |
| Total loans | 51,773,000 | 53,036,000 | 53,307,000 | 53,548,000 |
| Allowance for loan losses | 893,000 | 831,000 | 891,000 | 970,000 |
| Securities available for sale | 21,601,000 | 21,970,000 | 21,277,000 | 21,138,000 |
| Securities held to maturity | 101,000 | 101,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,952,000 | 72,226,000 | 71,659,000 | 74,923,000 |
| Interest-bearing deposits | 58,875,000 | 57,948,000 | 58,280,000 | 60,379,000 |
| Noninterest-bearing deposits | 14,077,000 | 14,277,000 | 13,379,000 | 14,543,000 |
| Equity capital | 9,437,000 | 8,862,000 | 9,249,000 | 9,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,740,000 | 4,082,000 | 5,402,000 |
| Interest expense | 533,000 | 1,017,000 | 1,458,000 | 1,883,000 |
| Net interest income | 858,000 | 1,723,000 | 2,624,000 | 3,519,000 |
| Noninterest income | 243,000 | 499,000 | 755,000 | 991,000 |
| Noninterest expense | 522,000 | 1,090,000 | 1,663,000 | 2,194,000 |
| Provision for loan losses | 45,000 | 90,000 | 205,000 | 355,000 |
| Pretax income | 534,000 | 1,042,000 | 1,511,000 | 1,961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 534,000 | 1,042,000 | 1,511,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,973,000 | 8,931,000 | 9,231,000 | 9,050,000 |
| Total capital | 9,623,000 | 9,589,000 | 9,888,000 | 9,710,000 |
| Risk-weighted assets | 51,627,000 | 52,365,000 | 52,213,000 | 52,364,000 |
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