Call reports 2004
COMMERCE BANK/DELAWARE, N.A. — 2004
What COMMERCE BANK/DELAWARE, N.A. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 341,683,000 | 349,135,000 | 497,382,000 | 381,363,000 |
| Total loans | 87,536,000 | 103,280,000 | 112,336,000 | 121,202,000 |
| Allowance for loan losses | 1,282,000 | 1,369,000 | 1,443,000 | 1,535,000 |
| Securities available for sale | 214,562,000 | 175,537,000 | 159,576,000 | 129,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 78,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,368,000 | 328,287,000 | 474,269,000 | 357,238,000 |
| Interest-bearing deposits | 271,264,000 | 301,104,000 | 448,069,000 | 329,935,000 |
| Noninterest-bearing deposits | 26,104,000 | 27,183,000 | 26,200,000 | 27,303,000 |
| Equity capital | 21,079,000 | 19,011,000 | 22,053,000 | 23,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,274,000 | 6,908,000 | 10,607,000 | 14,916,000 |
| Interest expense | 395,000 | 823,000 | 1,443,000 | 2,227,000 |
| Net interest income | 2,879,000 | 6,085,000 | 9,164,000 | 12,689,000 |
| Noninterest income | 976,000 | 2,120,000 | 3,505,000 | 4,863,000 |
| Noninterest expense | 2,437,000 | 4,839,000 | 7,790,000 | 10,811,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 1,318,000 | 3,166,000 | 4,579,000 | 6,341,000 |
| Income tax | 493,000 | 1,170,000 | 1,697,000 | 2,345,000 |
| Net income | 825,000 | 1,996,000 | 2,882,000 | 3,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,630,000 | 20,800,000 | 21,887,000 | 23,001,000 |
| Total capital | 20,912,000 | 22,169,000 | 23,330,000 | 24,536,000 |
| Risk-weighted assets | 152,680,000 | 169,159,000 | 209,893,000 | 194,205,000 |