Call reports 2004
COMMERCE BANK & TRUST COMPANY — 2004
What COMMERCE BANK & TRUST COMPANY 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 | 1,138,685,000 | 1,003,213,000 | 1,043,897,000 | 1,021,566,000 |
| Total loans | 581,052,000 | 535,087,000 | 514,888,000 | 502,215,000 |
| Allowance for loan losses | 7,891,000 | 8,074,000 | 9,232,000 | 10,177,000 |
| Securities available for sale | 306,408,000 | 346,319,000 | 324,973,000 | 339,656,000 |
| Securities held to maturity | 30,329,000 | 0 | 0 | 0 |
| Trading assets | 300,000 | 343,000 | 243,000 | 741,000 |
| Total deposits | 633,449,000 | 578,765,000 | 639,444,000 | 662,123,000 |
| Interest-bearing deposits | 529,394,000 | 473,683,000 | 504,398,000 | 548,914,000 |
| Noninterest-bearing deposits | 104,055,000 | 105,082,000 | 135,046,000 | 113,209,000 |
| Equity capital | 88,690,000 | 87,402,000 | 93,321,000 | 92,616,000 |
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 | 12,759,000 | 24,601,000 | 36,881,000 | 49,114,000 |
| Interest expense | 3,920,000 | 7,747,000 | 11,222,000 | 14,551,000 |
| Net interest income | 8,839,000 | 16,854,000 | 25,659,000 | 34,563,000 |
| Noninterest income | 15,577,000 | 28,185,000 | 40,361,000 | 51,877,000 |
| Noninterest expense | 18,256,000 | 35,766,000 | 51,855,000 | 71,267,000 |
| Provision for loan losses | 375,000 | 693,000 | 1,953,000 | 3,200,000 |
| Pretax income | 5,658,000 | 8,576,000 | 12,334,000 | 12,096,000 |
| Income tax | 1,933,000 | 2,768,000 | 3,974,000 | 3,425,000 |
| Net income | 3,725,000 | 5,808,000 | 8,360,000 | 8,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,068,000 | 85,738,000 | 87,873,000 | 87,765,000 |
| Total capital | 92,767,000 | 94,461,000 | 96,731,000 | 96,444,000 |
| Risk-weighted assets | 796,709,000 | 697,557,000 | 707,302,000 | 692,450,000 |