Call reports 2007
COMMERCE BANK, THE — 2007
What COMMERCE BANK, THE 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 | 22,987,000 | 35,283,000 | 45,238,000 | 50,847,000 |
| Total loans | 21,386,000 | 29,159,000 | 39,617,000 | 48,113,000 |
| Allowance for loan losses | 319,000 | 432,000 | 582,000 | 720,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,989,000 | 28,410,000 | 38,499,000 | 43,049,000 |
| Interest-bearing deposits | 14,664,000 | 25,043,000 | 34,411,000 | 39,468,000 |
| Noninterest-bearing deposits | 1,325,000 | 3,367,000 | 4,088,000 | 3,581,000 |
| Equity capital | 6,940,000 | 6,764,000 | 6,610,000 | 6,460,000 |
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 | 396,000 | 960,000 | 1,723,000 | 2,600,000 |
| Interest expense | 148,000 | 399,000 | 768,000 | 1,215,000 |
| Net interest income | 248,000 | 561,000 | 955,000 | 1,385,000 |
| Noninterest income | 27,000 | 91,000 | 128,000 | 188,000 |
| Noninterest expense | 527,000 | 1,080,000 | 1,615,000 | 2,213,000 |
| Provision for loan losses | 93,000 | 206,000 | 356,000 | 494,000 |
| Pretax income | -345,000 | -634,000 | -888,000 | -1,134,000 |
| Income tax | -136,000 | -249,000 | -349,000 | -445,000 |
| Net income | -209,000 | -385,000 | -539,000 | -689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,251,000 | 5,963,000 | 5,708,000 | 5,463,000 |
| Total capital | 6,526,000 | 6,353,000 | 6,217,000 | 6,051,000 |
| Risk-weighted assets | 21,986,000 | 31,177,000 | 40,617,000 | 46,910,000 |