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 | 194,433,000 | 202,109,000 | 199,864,000 | 207,903,000 |
| Total loans | 174,423,000 | 186,795,000 | 191,814,000 | 199,873,000 |
| Allowance for loan losses | 2,131,000 | 2,564,000 | 2,670,000 | 3,353,000 |
| Securities available for sale | 1,003,000 | 794,000 | 792,000 | 604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,270,000 | 168,754,000 | 165,531,000 | 165,155,000 |
| Interest-bearing deposits | 157,177,000 | 163,097,000 | 160,221,000 | 156,252,000 |
| Noninterest-bearing deposits | 10,093,000 | 5,657,000 | 5,310,000 | 8,903,000 |
| Equity capital | 25,722,000 | 25,877,000 | 26,410,000 | 26,712,000 |
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 | 3,367,000 | 6,735,000 | 10,354,000 | 14,120,000 |
| Interest expense | 1,584,000 | 3,245,000 | 4,963,000 | 6,638,000 |
| Net interest income | 1,783,000 | 3,490,000 | 5,391,000 | 7,482,000 |
| Noninterest income | 42,000 | 90,000 | 119,000 | 150,000 |
| Noninterest expense | 773,000 | 1,656,000 | 2,536,000 | 3,419,000 |
| Provision for loan losses | 222,000 | 767,000 | 966,000 | 1,702,000 |
| Pretax income | 830,000 | 1,157,000 | 2,008,000 | 2,511,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 830,000 | 1,156,000 | 2,006,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,588,000 | 25,752,000 | 26,288,000 | 26,578,000 |
| Total capital | 27,707,000 | 27,973,000 | 28,572,000 | 28,892,000 |
| Risk-weighted assets | 169,546,000 | 181,567,000 | 182,304,000 | 183,323,000 |