Call reports 2005
COMMERCE BANK/NORTH — 2005
What COMMERCE BANK/NORTH 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 | 3,357,716,000 | 3,559,094,000 | 3,715,693,000 | 3,782,543,000 |
| Total loans | 814,662,000 | 872,117,000 | 878,265,000 | 1,007,680,000 |
| Allowance for loan losses | 10,704,000 | 11,069,000 | 11,346,000 | 12,213,000 |
| Securities available for sale | 1,132,789,000 | 1,283,138,000 | 1,443,700,000 | 1,452,079,000 |
| Securities held to maturity | 976,294,000 | 1,070,031,000 | 1,007,135,000 | 946,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,050,411,000 | 3,086,806,000 | 3,309,324,000 | 3,470,871,000 |
| Interest-bearing deposits | 2,242,650,000 | 2,255,622,000 | 2,431,340,000 | 2,564,244,000 |
| Noninterest-bearing deposits | 807,761,000 | 831,184,000 | 877,984,000 | 906,627,000 |
| Equity capital | 210,394,000 | 212,710,000 | 222,899,000 | 231,028,000 |
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 | 38,364,000 | 78,525,000 | 120,240,000 | 165,020,000 |
| Interest expense | 8,115,000 | 17,576,000 | 29,122,000 | 43,529,000 |
| Net interest income | 30,249,000 | 60,949,000 | 91,118,000 | 121,491,000 |
| Noninterest income | 23,101,000 | 45,713,000 | 69,832,000 | 93,020,000 |
| Noninterest expense | 28,714,000 | 58,059,000 | 85,777,000 | 116,879,000 |
| Provision for loan losses | 900,000 | 1,300,000 | 1,700,000 | 2,600,000 |
| Pretax income | 23,800,000 | 48,385,000 | 75,037,000 | 91,675,000 |
| Income tax | 8,389,000 | 17,010,000 | 26,427,000 | 32,176,000 |
| Net income | 15,411,000 | 31,375,000 | 48,610,000 | 59,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 211,073,000 | 207,133,000 | 224,463,000 | 234,302,000 |
| Total capital | 221,777,000 | 218,202,000 | 235,809,000 | 246,515,000 |
| Risk-weighted assets | 1,447,038,000 | 1,535,874,000 | 1,572,520,000 | 1,676,951,000 |