Call reports 2003
COMMERCE BANK/NORTH — 2003
What COMMERCE BANK/NORTH 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 | 2,044,802,000 | 2,173,822,000 | 2,401,366,000 | 2,499,585,000 |
| Total loans | 550,439,000 | 614,930,000 | 641,825,000 | 695,033,000 |
| Allowance for loan losses | 6,451,000 | 6,775,000 | 7,754,000 | 9,161,000 |
| Securities available for sale | 784,575,000 | 704,103,000 | 1,168,496,000 | 1,277,800,000 |
| Securities held to maturity | 53,736,000 | 42,138,000 | 223,219,000 | 213,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,870,668,000 | 1,999,594,000 | 2,198,602,000 | 2,279,768,000 |
| Interest-bearing deposits | 1,723,491,000 | 1,831,614,000 | 2,018,613,000 | 2,100,936,000 |
| Noninterest-bearing deposits | 147,177,000 | 167,980,000 | 179,989,000 | 178,832,000 |
| Equity capital | 137,308,000 | 129,057,000 | 146,491,000 | 153,931,000 |
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 | 20,553,000 | 41,114,000 | 63,671,000 | 89,727,000 |
| Interest expense | 3,864,000 | 7,500,000 | 10,811,000 | 14,241,000 |
| Net interest income | 16,689,000 | 33,614,000 | 52,860,000 | 75,486,000 |
| Noninterest income | 19,051,000 | 37,902,000 | 58,275,000 | 76,562,000 |
| Noninterest expense | 22,322,000 | 45,126,000 | 68,604,000 | 92,045,000 |
| Provision for loan losses | 550,000 | 1,399,000 | 3,099,000 | 4,734,000 |
| Pretax income | 12,868,000 | 28,153,000 | 42,674,000 | 58,851,000 |
| Income tax | 4,773,000 | 10,423,000 | 15,796,000 | 21,610,000 |
| Net income | 8,095,000 | 17,730,000 | 26,878,000 | 37,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,747,000 | 115,977,000 | 135,219,000 | 148,677,000 |
| Total capital | 127,198,000 | 122,752,000 | 142,973,000 | 157,838,000 |
| Risk-weighted assets | 976,842,000 | 1,027,704,000 | 1,094,513,000 | 1,169,471,000 |