Call reports 2004
COMMERCE BANK, NATIONAL ASSOCIATION — 2004
What COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 977,186,000 | 885,306,000 |
| Total loans | 601,479,000 | 574,425,000 |
| Allowance for loan losses | 8,384,000 | 8,367,000 |
| Securities available for sale | 322,860,000 | 252,968,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 654,263,000 | 679,034,000 |
| Interest-bearing deposits | 530,026,000 | 546,488,000 |
| Noninterest-bearing deposits | 124,237,000 | 132,546,000 |
| Equity capital | 96,422,000 | 90,091,000 |
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 |
|---|---|---|
| Interest income | 10,865,000 | 21,644,000 |
| Interest expense | 2,027,000 | 4,046,000 |
| Net interest income | 8,838,000 | 17,598,000 |
| Noninterest income | 3,563,000 | 6,920,000 |
| Noninterest expense | 7,071,000 | 13,939,000 |
| Provision for loan losses | 132,000 | 304,000 |
| Pretax income | 5,198,000 | 10,964,000 |
| Income tax | 1,749,000 | 3,741,000 |
| Net income | 3,449,000 | 7,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 88,223,000 | 87,997,000 |
| Total capital | 96,607,000 | 95,826,000 |
| Risk-weighted assets | 673,406,000 | 625,788,000 |