Call reports 2003
COMMERCE BANK/DELAWARE, N.A. — 2003
What COMMERCE BANK/DELAWARE, N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 244,442,000 | 276,694,000 | 288,244,000 | 295,618,000 |
| Total loans | 72,305,000 | 74,382,000 | 80,622,000 | 93,429,000 |
| Allowance for loan losses | 1,064,000 | 1,119,000 | 1,131,000 | 1,201,000 |
| Securities available for sale | 93,846,000 | 87,567,000 | 121,421,000 | 153,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,102,000 | 258,277,000 | 265,991,000 | 272,212,000 |
| Interest-bearing deposits | 204,870,000 | 236,965,000 | 239,839,000 | 245,445,000 |
| Noninterest-bearing deposits | 17,232,000 | 21,312,000 | 26,152,000 | 26,767,000 |
| Equity capital | 19,991,000 | 14,879,000 | 19,156,000 | 20,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,427,000 | 4,776,000 | 7,034,000 | 9,929,000 |
| Interest expense | 457,000 | 922,000 | 1,333,000 | 1,736,000 |
| Net interest income | 1,970,000 | 3,854,000 | 5,701,000 | 8,193,000 |
| Noninterest income | 674,000 | 1,474,000 | 2,375,000 | 3,378,000 |
| Noninterest expense | 2,293,000 | 4,528,000 | 6,976,000 | 9,248,000 |
| Provision for loan losses | 76,000 | 152,000 | 227,000 | 308,000 |
| Pretax income | 275,000 | 648,000 | 873,000 | 2,015,000 |
| Income tax | 114,000 | 260,000 | 365,000 | 784,000 |
| Net income | 161,000 | 388,000 | 508,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,736,000 | 13,963,000 | 18,083,000 | 18,805,000 |
| Total capital | 18,800,000 | 15,082,000 | 19,214,000 | 20,006,000 |
| Risk-weighted assets | 117,448,000 | 126,197,000 | 134,871,000 | 144,892,000 |