Call reports 2005
COMMERCE BANK — 2005
What COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,728,000 | 127,068,000 | 125,363,000 | 117,975,000 |
| Total loans | 112,364,000 | 115,203,000 | 120,370,000 | 110,196,000 |
| Allowance for loan losses | 1,162,000 | 1,188,000 | 1,249,000 | 1,249,000 |
| Securities available for sale | 695,000 | 1,398,000 | 1,389,000 | 1,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,476,000 | 111,830,000 | 100,972,000 | 101,517,000 |
| Interest-bearing deposits | 100,866,000 | 98,755,000 | 93,576,000 | 93,884,000 |
| Noninterest-bearing deposits | 12,610,000 | 13,075,000 | 7,396,000 | 7,633,000 |
| Equity capital | 12,080,000 | 14,272,000 | 14,940,000 | 15,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,276,000 | 4,713,000 | 7,135,000 | 9,382,000 |
| Interest expense | 755,000 | 1,536,000 | 2,323,000 | 3,155,000 |
| Net interest income | 1,521,000 | 3,177,000 | 4,812,000 | 6,227,000 |
| Noninterest income | 43,000 | 123,000 | 194,000 | 306,000 |
| Noninterest expense | 480,000 | 996,000 | 1,469,000 | 1,989,000 |
| Provision for loan losses | 53,000 | 86,000 | 150,000 | 154,000 |
| Pretax income | 1,031,000 | 2,218,000 | 3,387,000 | 4,390,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,031,000 | 2,218,000 | 3,387,000 | 4,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,946,000 | 14,143,000 | 14,801,000 | 15,366,000 |
| Total capital | 13,108,000 | 15,331,000 | 16,050,000 | 16,615,000 |
| Risk-weighted assets | 105,280,000 | 108,718,000 | 111,732,000 | 105,285,000 |