Call reports 2004
COMMERCE BANK — 2004
What COMMERCE BANK 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 | 12,300,232,000 | 12,239,707,000 | 12,747,398,000 | 12,800,400,000 |
| Total loans | 7,056,942,000 | 7,031,902,000 | 7,658,667,000 | 7,816,617,000 |
| Allowance for loan losses | 113,720,000 | 113,796,000 | 122,207,000 | 121,224,000 |
| Securities available for sale | 4,083,804,000 | 3,744,908,000 | 3,930,487,000 | 3,888,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 29,091,000 | 17,797,000 | 29,909,000 | 9,585,000 |
| Total deposits | 8,740,730,000 | 8,846,787,000 | 9,416,655,000 | 9,540,359,000 |
| Interest-bearing deposits | 7,244,013,000 | 7,305,607,000 | 7,781,752,000 | 7,708,020,000 |
| Noninterest-bearing deposits | 1,496,717,000 | 1,541,180,000 | 1,634,903,000 | 1,832,339,000 |
| Equity capital | 931,038,000 | 872,022,000 | 1,006,389,000 | 943,646,000 |
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 | 125,530,000 | 254,173,000 | 414,367,000 | 558,197,000 |
| Interest expense | 21,831,000 | 43,855,000 | 73,363,000 | 103,740,000 |
| Net interest income | 103,699,000 | 210,318,000 | 341,004,000 | 454,457,000 |
| Noninterest income | 77,705,000 | 159,736,000 | 246,499,000 | 327,644,000 |
| Noninterest expense | 105,269,000 | 212,837,000 | 338,308,000 | 453,183,000 |
| Provision for loan losses | 9,620,000 | 15,046,000 | 21,276,000 | 27,713,000 |
| Pretax income | 74,755,000 | 150,411,000 | 236,987,000 | 310,058,000 |
| Income tax | 27,122,000 | 54,313,000 | 71,461,000 | 91,725,000 |
| Net income | 47,633,000 | 96,098,000 | 165,526,000 | 218,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 862,868,000 | 869,327,000 | 974,378,000 | 922,867,000 |
| Total capital | 976,592,000 | 983,126,000 | 1,096,690,000 | 1,044,869,000 |
| Risk-weighted assets | 9,498,087,000 | 9,471,406,000 | 10,022,882,000 | 10,056,223,000 |