Call reports 2003
COMMERCE BANK & TRUST COMPANY — 2003
What COMMERCE BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 877,397,000 | 929,465,000 | 1,023,492,000 | 1,088,689,000 |
| Total loans | 508,740,000 | 537,252,000 | 627,090,000 | 609,534,000 |
| Allowance for loan losses | 10,114,000 | 9,827,000 | 9,030,000 | 8,914,000 |
| Securities available for sale | 212,195,000 | 272,322,000 | 260,240,000 | 277,733,000 |
| Securities held to maturity | 52,364,000 | 33,761,000 | 33,809,000 | 31,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,097,000 | 607,382,000 | 617,200,000 | 569,173,000 |
| Interest-bearing deposits | 472,072,000 | 513,501,000 | 507,628,000 | 482,223,000 |
| Noninterest-bearing deposits | 84,025,000 | 93,881,000 | 109,572,000 | 86,950,000 |
| Equity capital | 74,688,000 | 77,096,000 | 83,140,000 | 84,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 11,336,000 | 22,916,000 | 34,841,000 | 48,321,000 |
| Interest expense | 3,987,000 | 8,123,000 | 12,224,000 | 16,092,000 |
| Net interest income | 7,349,000 | 14,793,000 | 22,617,000 | 32,229,000 |
| Noninterest income | 14,655,000 | 33,019,000 | 48,900,000 | 61,372,000 |
| Noninterest expense | 18,184,000 | 39,161,000 | 61,418,000 | 79,191,000 |
| Provision for loan losses | 400,000 | 400,000 | 750,000 | 1,150,000 |
| Pretax income | 3,448,000 | 8,291,000 | 9,412,000 | 13,376,000 |
| Income tax | 1,059,000 | 2,686,000 | 2,826,000 | 4,076,000 |
| Net income | 2,389,000 | 5,605,000 | 6,586,000 | 9,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,869,000 | 71,783,000 | 78,459,000 | 80,756,000 |
| Total capital | 78,015,000 | 81,704,000 | 88,050,000 | 90,381,000 |
| Risk-weighted assets | 730,724,000 | 793,104,000 | 808,832,000 | 800,439,000 |