Call reports 2005
COMMERCE BANK — 2005
What COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,682,000 | 91,398,000 | 92,924,000 | 94,046,000 |
| Total loans | 64,035,000 | 66,987,000 | 68,325,000 | 67,173,000 |
| Allowance for loan losses | 603,000 | 601,000 | 607,000 | 576,000 |
| Securities available for sale | 20,836,000 | 18,765,000 | 16,133,000 | 16,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,977,000 | 75,825,000 | 76,442,000 | 78,513,000 |
| Interest-bearing deposits | 50,755,000 | 51,962,000 | 54,411,000 | 55,524,000 |
| Noninterest-bearing deposits | 23,222,000 | 23,863,000 | 22,031,000 | 22,989,000 |
| Equity capital | 8,409,000 | 8,544,000 | 8,572,000 | 8,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,737,000 | 4,230,000 | 5,828,000 |
| Interest expense | 165,000 | 348,000 | 559,000 | 769,000 |
| Net interest income | 1,165,000 | 2,389,000 | 3,671,000 | 5,059,000 |
| Noninterest income | 190,000 | 409,000 | 627,000 | 849,000 |
| Noninterest expense | 880,000 | 1,809,000 | 2,729,000 | 3,649,000 |
| Provision for loan losses | 13,000 | 25,000 | 38,000 | 50,000 |
| Pretax income | 462,000 | 964,000 | 1,531,000 | 2,209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 462,000 | 964,000 | 1,531,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,636,000 | 8,689,000 | 8,725,000 | 8,727,000 |
| Total capital | 9,239,000 | 9,290,000 | 9,332,000 | 9,303,000 |
| Risk-weighted assets | 66,257,000 | 68,478,000 | 69,002,000 | 69,238,000 |
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