Call reports 2007
COMMERCE BANK/NORTH — 2007
What COMMERCE BANK/NORTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 5,001,367,000 | 4,899,400,000 | 4,881,019,000 | 4,856,937,000 |
| Total loans | 1,200,579,000 | 1,241,229,000 | 1,301,583,000 | 1,319,165,000 |
| Allowance for loan losses | 15,219,000 | 16,648,000 | 17,882,000 | 13,154,000 |
| Securities available for sale | 1,749,152,000 | 1,820,595,000 | 1,395,668,000 | 1,246,144,000 |
| Securities held to maturity | 1,082,709,000 | 1,038,222,000 | 1,004,649,000 | 983,046,000 |
| Trading assets | 0 | 0 | 559,146,000 | 0 |
| Total deposits | 4,585,440,000 | 4,479,029,000 | 4,467,637,000 | 4,484,384,000 |
| Interest-bearing deposits | 3,473,974,000 | 3,418,961,000 | 3,401,593,000 | 3,396,657,000 |
| Noninterest-bearing deposits | 1,111,466,000 | 1,060,068,000 | 1,066,044,000 | 1,087,727,000 |
| Equity capital | 333,315,000 | 342,235,000 | 361,918,000 | 335,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 63,854,000 | 129,629,000 | 194,992,000 | 258,196,000 |
| Interest expense | 29,175,000 | 58,804,000 | 87,496,000 | 112,633,000 |
| Net interest income | 34,679,000 | 70,825,000 | 107,496,000 | 145,563,000 |
| Noninterest income | 31,789,000 | 65,010,000 | 96,852,000 | 147,972,000 |
| Noninterest expense | 40,271,000 | 79,094,000 | 121,602,000 | 173,768,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,500,000 | 6,000,000 |
| Pretax income | 25,317,000 | 54,361,000 | 68,945,000 | 105,237,000 |
| Income tax | 9,230,000 | 19,764,000 | 25,092,000 | 42,000,000 |
| Net income | 16,087,000 | 34,597,000 | 43,853,000 | 63,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 297,049,000 | 316,358,000 | 325,691,000 | 353,222,000 |
| Total capital | 312,268,000 | 333,006,000 | 343,573,000 | 366,376,000 |
| Risk-weighted assets | 2,097,216,000 | 2,125,195,000 | 2,155,433,000 | 2,155,666,000 |