Call reports 2008
COMMERCE BANK, THE — 2008
What COMMERCE BANK, THE 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 | 57,033,000 | 66,026,000 | 66,627,000 | 63,228,000 |
| Total loans | 52,991,000 | 58,929,000 | 58,493,000 | 55,779,000 |
| Allowance for loan losses | 782,000 | 885,000 | 883,000 | 943,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,372,000 | 59,575,000 | 60,188,000 | 56,811,000 |
| Interest-bearing deposits | 46,353,000 | 54,307,000 | 55,204,000 | 51,865,000 |
| Noninterest-bearing deposits | 4,019,000 | 5,268,000 | 4,984,000 | 4,946,000 |
| Equity capital | 6,432,000 | 6,286,000 | 6,294,000 | 6,258,000 |
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 | 886,000 | 1,796,000 | 2,779,000 | 3,717,000 |
| Interest expense | 510,000 | 973,000 | 1,472,000 | 1,904,000 |
| Net interest income | 376,000 | 823,000 | 1,307,000 | 1,813,000 |
| Noninterest income | 119,000 | 201,000 | 242,000 | 298,000 |
| Noninterest expense | 454,000 | 960,000 | 1,521,000 | 2,003,000 |
| Provision for loan losses | 87,000 | 349,000 | 357,000 | 512,000 |
| Pretax income | -46,000 | -285,000 | -329,000 | -404,000 |
| Income tax | -18,000 | -111,000 | -128,000 | -157,000 |
| Net income | -28,000 | -174,000 | -201,000 | -247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,417,000 | 5,178,000 | 5,169,000 | 5,104,000 |
| Total capital | 6,062,000 | 5,902,000 | 5,857,000 | 5,758,000 |
| Risk-weighted assets | 51,422,000 | 57,753,000 | 54,840,000 | 52,037,000 |