Call reports 2006
COMMERCE BANK/NORTH — 2006
What COMMERCE BANK/NORTH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,017,366,000 | 4,092,715,000 | 4,415,805,000 | 4,667,346,000 |
| Total loans | 1,075,984,000 | 1,122,001,000 | 1,161,992,000 | 1,185,235,000 |
| Allowance for loan losses | 13,374,000 | 15,126,000 | 14,634,000 | 14,461,000 |
| Securities available for sale | 1,379,469,000 | 1,436,041,000 | 1,395,928,000 | 1,536,197,000 |
| Securities held to maturity | 913,107,000 | 971,428,000 | 934,938,000 | 975,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,683,417,000 | 3,752,159,000 | 4,048,357,000 | 4,267,445,000 |
| Interest-bearing deposits | 2,743,234,000 | 2,784,046,000 | 3,059,911,000 | 3,287,191,000 |
| Noninterest-bearing deposits | 940,183,000 | 968,113,000 | 988,446,000 | 980,254,000 |
| Equity capital | 263,030,000 | 266,248,000 | 294,848,000 | 308,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 48,587,000 | 100,512,000 | 155,398,000 | 214,718,000 |
| Interest expense | 16,535,000 | 35,388,000 | 57,655,000 | 83,650,000 |
| Net interest income | 32,052,000 | 65,124,000 | 97,743,000 | 131,068,000 |
| Noninterest income | 28,292,000 | 56,803,000 | 86,166,000 | 114,802,000 |
| Noninterest expense | 34,585,000 | 70,811,000 | 107,808,000 | 145,165,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Pretax income | 24,259,000 | 48,116,000 | 73,101,000 | 98,211,000 |
| Income tax | 8,699,000 | 17,203,000 | 26,123,000 | 37,538,000 |
| Net income | 15,560,000 | 30,913,000 | 46,978,000 | 60,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,752,000 | 242,476,000 | 259,541,000 | 279,054,000 |
| Total capital | 244,126,000 | 257,602,000 | 274,175,000 | 293,515,000 |
| Risk-weighted assets | 1,769,743,000 | 1,829,518,000 | 1,937,963,000 | 2,023,814,000 |