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 | 82,417,000 | 95,766,000 | 110,243,000 | 121,219,000 |
| Total loans | 72,757,000 | 92,231,000 | 104,480,000 | 112,098,000 |
| Allowance for loan losses | 855,000 | 992,000 | 1,099,000 | 1,166,000 |
| Securities available for sale | 7,074,000 | 663,000 | 880,000 | 870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,950,000 | 83,075,000 | 97,483,000 | 108,077,000 |
| Interest-bearing deposits | 62,320,000 | 76,818,000 | 88,326,000 | 100,043,000 |
| Noninterest-bearing deposits | 8,630,000 | 6,257,000 | 9,157,000 | 8,034,000 |
| Equity capital | 10,752,000 | 11,095,000 | 11,623,000 | 12,213,000 |
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 | 1,598,000 | 3,290,000 | 5,267,000 | 7,451,000 |
| Interest expense | 466,000 | 962,000 | 1,551,000 | 2,219,000 |
| Net interest income | 1,132,000 | 2,328,000 | 3,716,000 | 5,232,000 |
| Noninterest income | 29,000 | 53,000 | 99,000 | 164,000 |
| Noninterest expense | 378,000 | 813,000 | 1,324,000 | 1,805,000 |
| Provision for loan losses | 76,000 | 214,000 | 321,000 | 388,000 |
| Pretax income | 707,000 | 1,354,000 | 2,170,000 | 3,203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 707,000 | 1,354,000 | 2,170,000 | 3,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,612,000 | 10,964,000 | 11,481,000 | 12,079,000 |
| Total capital | 11,429,000 | 11,956,000 | 12,580,000 | 13,245,000 |
| Risk-weighted assets | 65,302,000 | 82,761,000 | 94,960,000 | 102,430,000 |