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 | 58,936,000 | 66,752,000 | 76,245,000 | 80,307,000 |
| Total loans | 56,915,000 | 61,489,000 | 71,180,000 | 75,484,000 |
| Allowance for loan losses | 582,000 | 666,000 | 700,000 | 778,000 |
| Securities available for sale | 444,000 | 343,000 | 338,000 | 585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,706,000 | 60,090,000 | 67,276,000 | 72,550,000 |
| Interest-bearing deposits | 47,521,000 | 56,171,000 | 60,372,000 | 66,270,000 |
| Noninterest-bearing deposits | 5,185,000 | 3,919,000 | 6,904,000 | 6,280,000 |
| Equity capital | 5,363,000 | 6,101,000 | 6,824,000 | 7,159,000 |
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 | 1,159,000 | 2,378,000 | 3,817,000 | 5,372,000 |
| Interest expense | 423,000 | 828,000 | 1,266,000 | 1,737,000 |
| Net interest income | 736,000 | 1,550,000 | 2,551,000 | 3,635,000 |
| Noninterest income | 29,000 | 60,000 | 74,000 | 89,000 |
| Noninterest expense | 296,000 | 619,000 | 969,000 | 1,391,000 |
| Provision for loan losses | 65,000 | 157,000 | 319,000 | 383,000 |
| Pretax income | 404,000 | 834,000 | 1,337,000 | 1,950,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 404,000 | 834,000 | 1,337,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,212,000 | 5,950,000 | 6,677,000 | 7,014,000 |
| Total capital | 5,794,000 | 6,616,000 | 7,377,000 | 7,792,000 |
| Risk-weighted assets | 53,655,000 | 57,452,000 | 66,592,000 | 70,408,000 |