Call reports 2003
COMMERCE BANK, NATIONAL ASSOCIATION — 2003
What COMMERCE BANK, NATIONAL ASSOCIATION 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 | 972,449,000 | 945,517,000 | 899,048,000 | 903,239,000 |
| Total loans | 576,153,000 | 554,257,000 | 547,725,000 | 563,333,000 |
| Allowance for loan losses | 8,406,000 | 8,404,000 | 8,405,000 | 8,405,000 |
| Securities available for sale | 336,173,000 | 314,567,000 | 293,288,000 | 278,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 633,504,000 | 645,576,000 | 635,040,000 | 649,335,000 |
| Interest-bearing deposits | 535,195,000 | 528,709,000 | 516,358,000 | 528,271,000 |
| Noninterest-bearing deposits | 98,309,000 | 116,867,000 | 118,682,000 | 121,064,000 |
| Equity capital | 99,044,000 | 99,835,000 | 96,443,000 | 96,418,000 |
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 | 11,635,000 | 23,454,000 | 34,640,000 | 45,496,000 |
| Interest expense | 2,438,000 | 4,857,000 | 6,863,000 | 8,807,000 |
| Net interest income | 9,197,000 | 18,597,000 | 27,777,000 | 36,689,000 |
| Noninterest income | 3,598,000 | 7,416,000 | 11,780,000 | 15,238,000 |
| Noninterest expense | 6,421,000 | 13,040,000 | 19,435,000 | 25,914,000 |
| Provision for loan losses | 237,000 | 460,000 | 779,000 | 1,098,000 |
| Pretax income | 6,137,000 | 12,557,000 | 19,387,000 | 24,959,000 |
| Income tax | 2,112,000 | 4,304,000 | 6,670,000 | 8,550,000 |
| Net income | 4,025,000 | 8,253,000 | 12,717,000 | 16,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,374,000 | 88,606,000 | 89,074,000 | 88,770,000 |
| Total capital | 96,398,000 | 96,261,000 | 96,234,000 | 96,138,000 |
| Risk-weighted assets | 641,509,000 | 611,635,000 | 571,594,000 | 588,409,000 |