Call reports 2008
COMMERCE BANK & TRUST COMPANY — 2008
What COMMERCE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,067,608,000 | 1,011,138,000 | 1,078,063,000 | 1,164,185,000 |
| Total loans | 459,688,000 | 503,755,000 | 557,559,000 | 587,846,000 |
| Allowance for loan losses | 5,717,000 | 6,468,000 | 7,133,000 | 7,557,000 |
| Securities available for sale | 411,201,000 | 368,372,000 | 342,399,000 | 345,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,708,000 | 621,646,000 | 665,796,000 | 912,561,000 |
| Interest-bearing deposits | 520,636,000 | 518,775,000 | 564,152,000 | 536,569,000 |
| Noninterest-bearing deposits | 83,072,000 | 102,871,000 | 101,644,000 | 375,992,000 |
| Equity capital | 110,674,000 | 108,434,000 | 109,923,000 | 114,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 13,613,000 | 26,705,000 | 40,210,000 | 53,612,000 |
| Interest expense | 6,884,000 | 12,317,000 | 17,849,000 | 23,219,000 |
| Net interest income | 6,729,000 | 14,388,000 | 22,361,000 | 30,393,000 |
| Noninterest income | 4,450,000 | 8,378,000 | 11,916,000 | 15,050,000 |
| Noninterest expense | 8,580,000 | 16,938,000 | 24,735,000 | 32,336,000 |
| Provision for loan losses | 579,000 | 1,446,000 | 2,115,000 | 2,964,000 |
| Pretax income | 2,263,000 | 4,628,000 | 7,616,000 | 10,332,000 |
| Income tax | 697,000 | 1,414,000 | 2,360,000 | 3,330,000 |
| Net income | 1,566,000 | 3,214,000 | 5,256,000 | 7,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,433,000 | 107,639,000 | 109,266,000 | 109,903,000 |
| Total capital | 112,493,000 | 114,445,000 | 116,655,000 | 117,764,000 |
| Risk-weighted assets | 671,565,000 | 687,897,000 | 745,486,000 | 743,543,000 |
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