Call reports 2007
COMMERCE BANK & TRUST COMPANY — 2007
What COMMERCE BANK & TRUST COMPANY 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 | 955,158,000 | 911,985,000 | 927,562,000 | 1,000,205,000 |
| Total loans | 380,160,000 | 379,076,000 | 403,778,000 | 444,303,000 |
| Allowance for loan losses | 5,085,000 | 4,630,000 | 5,248,000 | 5,589,000 |
| Securities available for sale | 419,614,000 | 424,971,000 | 405,125,000 | 384,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,452,000 | 516,196,000 | 551,063,000 | 671,194,000 |
| Interest-bearing deposits | 453,614,000 | 431,042,000 | 471,961,000 | 586,641,000 |
| Noninterest-bearing deposits | 87,838,000 | 85,154,000 | 79,102,000 | 84,553,000 |
| Equity capital | 99,340,000 | 96,222,000 | 99,970,000 | 106,280,000 |
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 | 13,643,000 | 27,072,000 | 40,878,000 | 54,480,000 |
| Interest expense | 7,296,000 | 14,214,000 | 21,535,000 | 28,754,000 |
| Net interest income | 6,347,000 | 12,858,000 | 19,343,000 | 25,726,000 |
| Noninterest income | 4,127,000 | 8,233,000 | 12,373,000 | 16,658,000 |
| Noninterest expense | 9,611,000 | 19,548,000 | 27,721,000 | 36,950,000 |
| Provision for loan losses | 0 | 103,000 | 843,000 | 1,408,000 |
| Pretax income | 863,000 | 1,440,000 | 3,152,000 | 4,026,000 |
| Income tax | 6,000 | -14,000 | 274,000 | -349,000 |
| Net income | 857,000 | 1,454,000 | 2,878,000 | 4,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,258,000 | 100,407,000 | 101,436,000 | 105,289,000 |
| Total capital | 105,568,000 | 105,241,000 | 106,994,000 | 111,130,000 |
| Risk-weighted assets | 598,902,000 | 583,192,000 | 589,293,000 | 636,407,000 |