Call reports 2004
COMMERCE BANK/NORTH — 2004
What COMMERCE BANK/NORTH 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 | 2,644,901,000 | 2,863,437,000 | 3,022,631,000 | 3,278,347,000 |
| Total loans | 704,666,000 | 717,563,000 | 724,474,000 | 800,088,000 |
| Allowance for loan losses | 8,289,000 | 9,082,000 | 8,509,000 | 9,313,000 |
| Securities available for sale | 1,517,350,000 | 1,490,776,000 | 1,687,902,000 | 1,156,192,000 |
| Securities held to maturity | 204,120,000 | 190,596,000 | 182,255,000 | 832,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,408,144,000 | 2,594,663,000 | 2,730,347,000 | 2,967,799,000 |
| Interest-bearing deposits | 2,284,045,000 | 2,455,702,000 | 2,581,588,000 | 2,714,354,000 |
| Noninterest-bearing deposits | 124,099,000 | 138,961,000 | 148,759,000 | 253,445,000 |
| Equity capital | 173,375,000 | 163,117,000 | 187,434,000 | 203,304,000 |
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 | 27,133,000 | 56,296,000 | 87,221,000 | 122,331,000 |
| Interest expense | 3,505,000 | 7,477,000 | 12,329,000 | 18,651,000 |
| Net interest income | 23,628,000 | 48,819,000 | 74,892,000 | 103,680,000 |
| Noninterest income | 21,223,000 | 43,131,000 | 65,100,000 | 85,847,000 |
| Noninterest expense | 25,691,000 | 51,345,000 | 77,939,000 | 105,254,000 |
| Provision for loan losses | 925,000 | 1,825,000 | 3,475,000 | 4,375,000 |
| Pretax income | 18,231,000 | 38,776,000 | 59,087,000 | 80,813,000 |
| Income tax | 6,656,000 | 14,133,000 | 21,536,000 | 29,302,000 |
| Net income | 11,575,000 | 24,643,000 | 37,551,000 | 51,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,347,000 | 173,509,000 | 181,512,000 | 195,567,000 |
| Total capital | 168,636,000 | 182,591,000 | 190,021,000 | 204,880,000 |
| Risk-weighted assets | 1,197,565,000 | 1,269,282,000 | 1,310,304,000 | 1,417,390,000 |