[ { "doc": "101230425", "page": 3, "ocr_ran": true, "ocr_cells": 200, "ocr_frac": 1.0, "ocr_conf": 0.98, "docling_rows": 40, "docling_cols": 6, "docling_nonempty_cells": 191, "docling_md": "| | | | | FortheThreeMonthsEnded FortheSixMonthsEnded | FortheThreeMonthsEnded FortheSixMonthsEnded |\n|-----------------------------------------------------|--------------|--------------|--------------|-----------------------------------------------|-----------------------------------------------|\n| (Unaudited) (Dollarsinthousands,exceptpersharedata) | Jun.30, 2024 | Mar.31, 2024 | Jun.30, 2023 | Jun.30, 2024 | Jun.30. 2023 |\n| FINANCIALSUMMARY | | | | | |\n| Netinterestincome | $262,249 | $248,999 | $249,538 | S511,248 | $501,161 |\n| Non-interestincome | 152,244 | 148,848 | 147,605 | 301,092 | 285,217 |\n| Totalrevenue | 414,493 | 397,847 | 397,143 | 812,340 | 786,378 |\n| Investmentsecuritiesgains(losses) | 3,233 | (259) | 3,392 | 2,974 | 3,086 |\n| Provisionforcreditlosses | 5,468 | 4,787 | 6,471 | 10,255 | 17,927 |\n| Non-interestexpense | 232,214 | 245,697 | 227,611 | 477,911 | 451,718 |\n| Incomebeforetaxes | 180,044 | 147,104 | 166,453 | 327,148 | 319,819 |\n| Incometaxes | 38,602 | 31,652 | 35,990 | 70,254 | 68,803 |\n| Non-controllinginterestexpense | 1,889 | 2,789 | 2,674 | 4,678 | 3,775 |\n| NetincomeattributabletoCommerceBancshares,Inc. | $139,553 | $112,663 | $127,789 | $252,216 | $247,241 |\n| Earningspercommon share: | | | | | |\n| Netincome-basic | $1.07 | $0.87 | $0.97 | $1.94 | $1.88 |\n| Netincome-diluted | $1.07 | $0.86 | $0.97 | $1.93 | $1.88 |\n| Effectivetaxrate | 21.67% | 21.93% | 21.97% | 21.79% | 21.77% |\n| Fully-taxableequivalentnetinterestincome | $264,578 | $251,312 | $251,757 | $515,890 | $505,168 |\n| Average total interest earning assets ( | $30,016,060 | $30,365,774 | $32,412,084 | $30,190,917 | $31,992,669 |\n| Dilutedwtd.averagesharesoutstanding | 128,610,693 | 129,185,903 | 130,207,664 | 128,898,298 | 130,339,067 |\n| RATIOS | | | | | |\n| Average loans to deposits(2) | 70.73% | 69.87% | 66.15% | 70.30% | 65.57% |\n| Returnontotal averageassets | 1.86 | 1.48 | 1.56 | 1.67 | 1.55 |\n| | 18.52 | 15.39 | 18.81 | 16.98 | 18.78 |\n| Non-interestincometototalrevenue | 36.73 | 37.41 | 37.17 | 37.06 | 36.27 |\n| Efficiency ratio (4) | 55.95 | 61.67 | 57.22 | 58.75 | 57.35 |\n| Netyieldoninterestearningassets | 3.55 | 3.33 | 3.12 | 3.44 | 3.18 |\n| EQUITYSUMMARY | | | | | |\n| Cashdividendspershare | S.270 | $.270 | $.257 | $.540 | $.514 |\n| Cashdividendsoncommonstock | S34,960 | $35,140 | $33,744 | $70,100 | $67,503 |\n| Book value per share (6) | $24.48 | $22.70 | $20.50 | | |\n| Market value per share (5) | $55.78 | $53.20 | $46.38 | | |\n| Highmarketvaluepershare | $57.48 | $55.64 | S56.16 | | |\n| Lowmarketvaluepershare | $50.92 | $49.44 | $43.38 | | |\n| Commonsharesoutstanding 5 | 129,004,231 | 129,694,606 | 130,971,572 | | |\n| Tangible common equity to tangible assets() | 9.82% | 9.24% | 7.70% | | |\n| Tierlleverageratio | 12.13% | 11.75% | 10.46% | | |\n| OTHERQTDINFORMATION | | | | | |\n| Numberofbank/ATMlocations | 247 | 254 | 272 | | |\n| Full-timeequivalentemployees | 4,724 | 4,721 | 4,680 | | |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "101230425", "page": 4, "ocr_ran": true, "ocr_cells": 309, "ocr_frac": 1.0, "ocr_conf": 0.98, "docling_rows": 41, "docling_cols": 8, "docling_nonempty_cells": 300, "docling_md": "| | | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheSixMonthsEnded | FortheSixMonthsEnded |\n|-------------------------------------------------|--------------|--------------------------|--------------------------|--------------------------|--------------------------|------------------------|------------------------|\n| (Unaudited) (inthousands,exceptpersharedata) | Jun.30, 2024 | Mar.31, 2024 | Dec.31, 2023 | Sep.30, 2023 | Jun.30, 2023 | Jun.30, 2024 | Jun.30, 2023 |\n| Interestincome | $369,363 | $358,721 | $362,609 | $361,162 | $348,663 | $728,084 | $657,520 |\n| Interestexpense | 107,114 | 109,722 | 114,188 | 112,615 | 99,125 | 216,836 | 156,359 |\n| Netinterestincome | 262,249 | 248,999 | 248,421 | 248,547 | 249,538 | 511,248 | 501,161 |\n| Provisionforcreditlosses | 5,468 | 4,787 | 5,879 | 11,645 | 6,471 | 10,255 | 17,927 |\n| Netinterestincomeaftercreditlosses | 256,781 | 244,212 | 242,542 | 236,902 | 243,067 | 500,993 | 483,234 |\n| NON-INTERESTINCOME | | | | | | | |\n| Trustfees | 52,291 | 51,105 | 49,154 | 49,207 | 47,265 | 103,396 | 92,593 |\n| Bankcardtransactionfees | 47,477 | 46,930 | 47,878 | 46,899 | 49,725 | 94,407 | 96,379 |\n| Depositaccountchargesandotherfees | 25,325 | 24,151 | 23,517 | 23,090 | 22,633 | 49,476 | 44,385 |\n| Consumerbrokerageservices | 4,478 | 4,408 | 3,641 | 3,820 | 4,677 | 8,886 | 9,762 |\n| Capitalmarketfees | 4,760 | 3,892 | 4,269 | 3,524 | 2,945 | 8,652 | 6,307 |\n| Loanfeesandsales | 3,431 | 3,141 | 2,875 | 2,966 | 2,735 | 6,572 | 5,324 |\n| Other | 14,482 | 15,221 | 13,545 | 13,443 | 17,625 | 29,703 | 30,467 |\n| Totalnon-interestincome | 152,244 | 148,848 | 144,879 | 142,949 | 147,605 | 301,092 | 285,217 |\n| INVESTMENTSECURITIESGAINSLOSSES),NET | 3,233 | (259) | 7,601 | 4,298 | 3,392 | 2,974 | 3,086 |\n| NON-INTERESTEXPENSE | | | | | | | |\n| Salariesandemployeebenefits | 149,120 | 151,801 | 147,456 | 146,805 | 145,429 | 300,921 | 289,802 |\n| Dataprocessingandsoftware | 31,529 | 31,153 | 31,141 | 30,744 | 28,719 | 62,682 | 56,873 |\n| Netoccupancy | 12,544 | 13,574 | 13,927 | 13,948 | 12,995 | 26,118 | 25,754 |\n| Depositinsurance | 2,354 | 8,017 | 20,304 | 4,029 | 4,187 | 10,371 | 8,830 |\n| Equipment | 5,091 | 5,010 | 5,137 | 4,697 | 4,864 | 10,101 | 9,714 |\n| Marketing | 5,356 | 4,036 | 6,505 | 6,167 | 6,368 | 9,392 | 11,839 |\n| Suppliesandcommunication | 4,636 | 4,744 | 5,242 | 4,963 | 4,625 | 9,380 | 9,215 |\n| Other | 21,584 | 27,362 | 21,542 | 16,657 | 20,424 | 48,946 | 39,691 |\n| Totalnon-interestexpense | 232,214 | 245,697 | 251,254 | 228,010 | 227,611 | 477,911 | 451,718 |\n| Incomebeforeincometaxes | 180,044 | 147,104 | 143,768 | 156,139 | 166,453 | 327,148 | 319,819 |\n| Lessincometaxes | 38,602 | 31,652 | 32,307 | 33,439 | 35,990 | 70,254 | 68,803 |\n| Netincome | 141,442 | 115,452 | 111,461 | 122,700 | 130,463 | 256,894 | 251,016 |\n| Lessnon-controllinginterestexpense(income) | 1,889 | 2,789 | 2,238 | 2,104 | 2,674 | 4,678 | 3,775 |\n| NetincomeattributabletoCommerce Bancshares,Inc. | $139,553 | $112,663 | $109,223 | $120,596 | $127,789 | $252,216 | $247,241 |\n| Netincomepercommonshare-basic | $1.07 | $0.87 | $0.84 | $0.92 | $0.97 | $1.94 | $1.88 |\n| Netincomepercommonshare-diluted | $1.07 | $0.86 | $0.84 | $0.92 | $0.97 | $1.93 | $1.88 |\n| OTHERINFORMATION | | | | | | | |\n| Returnontotalaverageassets | 1.86% | 1.48% | 1.38% | 1.49% | 1.56% | 1.67% | 1.55% |\n| | 18.52 | 15.39 | 16.48 | 17.73 | 18.81 | 16.98 | 18.78 |\n| Efficiency ratio (2) | 55.95 | 61.67 | 63.80 | 58.15 | 57.22 | 58.75 | 57.35 |\n| Effectivetaxrate | 21.67 | 21.93 | 22.83 | 21.71 | 21.97 | 21.79 | 21.77 |\n| Netyieldoninterestearningassets | 3.55 | 3.33 | 3.17 | 3.11 | 3.12 | 3.44 | 3.18 |\n| Fully-taxableequivalentnetinterestincome | $264,578 | S251,312 | $250,547 | $250,962 | $251,757 | $515,890 | $505,168 |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "101230425", "page": 5, "ocr_ran": true, "ocr_cells": 194, "ocr_frac": 1.0, "ocr_conf": 0.97, "docling_rows": 52, "docling_cols": 4, "docling_nonempty_cells": 184, "docling_md": "| (Unaudited) (inthousands) | Jun.30, 2024 | Mar.31, 2024 | Jun.30, 2023 |\n|--------------------------------------------------------------------|----------------|----------------|----------------|\n| ASSETS | | | |\n| Loans | | | |\n| Business | S 6,090,724 S | 5,994,974 $ | 5,906,493 |\n| Realestate-constructionandland | 1,396,515 | 1,497,647 | 1,451,783 |\n| Realestate-business | 3,572,539 | 3,711,602 | 3,621,222 |\n| Realestate-personal | 3,055,182 | 3,039,885 | 2,980,599 |\n| Consumer | 2,145,609 | 2,119,308 | 2,110,605 |\n| Revolvinghomeequity | 331,381 | 322,523 | 303,845 |\n| Consumercreditcard | 566,925 | 564,388 | 574,755 |\n| Overdrafts | 4,190 | 48,513 | 7,237 |\n| Totalloans | 17,163,065 | 17,298,840 | 16,956,539 |\n| Allowanceforcreditlossesonloans | (158,557) | (160,465) | (158,685) |\n| Netloans | 17,004,508 | 17,138,375 | 16,797,854 |\n| Loansheldforsale | 2,930 | 2,328 | 6,776 |\n| Investmentsecurities: | | | |\n| Availableforsaledebtsecurities | 8,534,271 | 9,141,695 | 10,414,625 |\n| Tradingdebtsecurities | 45,499 | 56,716 | 29,412 |\n| Equitysecurities | 113,584 | 12,852 | 12,266 |\n| Othersecurities | 223,798 | 229,146 | 258,045 |\n| Totalinvestmentsecurities | 8,917,152 | 9,440,409 | 10,714,348 |\n| Federalfundssold | | | 2,750 |\n| Securitiespurchasedunderagreementstoresell | 475,000 | 225,000 | 825,000 |\n| Interestearningdepositswithbanks | 2,215,057 | 1,609,614 | 2,568,695 |\n| Cashandduefrombanks | 329,692 | 291,040 | 366,699 |\n| Premisesandequipment-net | 467,256 | 467,377 | 451,568 |\n| Goodwill | 146,539 | 146,539 | 146,371 |\n| Otherintangibleassets-net | 13,801 | 13,918 | 14,666 |\n| Otherassets | 997,423 | 1,037,508 | 936,535 |\n| Total assets | S 30,569,358 | S 30,372,108 $ | 32,831,262 |\n| LIABILITIESANDSTOCKHOLDERS'EQUITY | | | |\n| Deposits: | | | |\n| Non-interestbearing | S 7,492,751$ | 7,513,464$ | 8,198,849 |\n| Savings,interestcheckingandmoneymarket | 14,367,710 | 14,463,211 | 14,418,974 |\n| CertificatesofdepositoflessthanS100,000 | 1,010,251 | 997,979 | 1,543,424 |\n| CertificatesofdepositofS100.000andover | 1,408,548 | 1,465,541 | 1,708,197 |\n| Total deposits | 24,279,260 | 24,440,195 | 25,869,444 |\n| Federalfundspurchasedandsecuritiessoldunderagreementsto repurchase | | | |\n| | 2,551,399 | 2,505,576 | 2,878,021 |\n| Otherborrowings | 3,984 | 2,359 | 1,005,613 |\n| Otherliabilities | 576,380 | 460,089 | 392,956 |\n| Total liabilities | 27,411,023 | 27,408,219 | 30,146,034 |\n| Stockholders'equity: | | | |\n| Commonstock | 655,322 | 655,322 | 629,319 |\n| Capitalsurplus | 3,153,107 | 3,148,649 | 2,921,365 |\n| Retainedearnings | 235,299 | 130,706 | 211,358 |\n| Treasurystock | (98,176) | (59,674) | (58,389) |\n| Accumulated othercomprehensiveincome(loss) | (807,817) | (931,027) | (1,036,295) |\n| Totalstockholders'equity | 3,137,735 | 2,943,976 | 2,667,358 |\n| Non-controllinginterest | 20,600 | 19,913 | 17,870 |\n| Totalequity | 3,158,335 | 2,963,889 | 2,685,228 |\n| Totalliabilitiesandequity | S 30,569,358 $ | 30,372,108 $ | 32,831,262 |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "101230425", "page": 6, "ocr_ran": true, "ocr_cells": 281, "ocr_frac": 1.0, "ocr_conf": 0.98, "docling_rows": 50, "docling_cols": 6, "docling_nonempty_cells": 270, "docling_md": "| | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded |\n|--------------------------------------------|--------------------------|--------------------------|--------------------------|--------------------------|--------------------------|\n| (Unaudited) (inthousands) | Jun.30, 2024 | Mar.31, 2024 | Dec.31, 2023 | Sep.30, 2023 | Jun.30, 2023 |\n| ASSETS: | | | | | |\n| Loans: | | | | | |\n| Business | $ | 5,980,364 $ 5,873,525 | $5,861,229 S | 5,849,227S | 5,757,388 |\n| Realestate-constructionandland | 1,471,504 | 1,472,554 | 1,523,682 | 1,508,850 | 1,450,196 |\n| Realestate-business | 3,666,057 | 3,727,643 | 3,644,589 | 3,642,010 | 3,540,851 |\n| Realestate-personal | 3,044,943 | 3,031,193 | 3,027,664 | 2,992,500 | 2,960,962 |\n| Consumer | 2,127,650 | 2,082,490 | 2,117,268 | 2,102,281 | 2,098,523 |\n| Revolvinghomeequity | 326,204 | 322,074 | 310,282 | 304,055 | 300,623 |\n| Consumercreditcard | 552,896 | 562,892 | 568,112 | 564,039 | 555,875 |\n| Overdrafts | 4,856 | 7,696 | 5,258 | 5,341 | 4,630 |\n| Totalloans | 17,174,474 | 17,080,067 | 17,058,084 | 16,968,303 | 16,669,048 |\n| Allowanceforcreditlossesonloans | (159,791) | (161,891) | (161,932) | (158,335) | (159,068) |\n| Netloans | 17,014,683 | 16,918,176 | 16,896,152 | 16,809,968 | 16,509,980 |\n| Loansheldforsale | 2,455 | 2,149 | 5,392 | 5,714 | 5,957 |\n| Investmentsecurities: | | | | | |\n| U.S.governmentandfederal agencyobligations | 1,201,954 | 851,656 | 889,390 | 986,284 | 1,035,651 |\n| Government-sponsoredenterpriseobligations | 55,634 | 55,652 | 55,661 | 55,676 | 55,751 |\n| Stateandmunicipalobligations | 1,069,934 | 1,330,808 | 1,363,649 | 1,391,541 | 1,532,519 |\n| Mortgage-backedsecurities | 5,553,656 | 5,902,328 | 6,022,502 | 6,161,348 | 6,316,224 |\n| Asset-backedsecurities | 1,785,598 | 2,085,050 | 2,325,089 | 2,553,562 | 2,827,911 |\n| Otherdebtsecurities | 364,828 | 503,204 | 510,721 | 514,787 | 519,988 |\n| Unrealizedgain(loss)ondebtsecurities | (1,272,127) | (1,274,125) | (1,595,845) | (1,458,141) | (1,331,002) |\n| Totalavailableforsaledebtsecurities | 8,759,477 | 9,454,573 | 9,571,167 | 10,205,057 | 10,957,042 |\n| Tradingdebtsecurities | 46,565 | 40,483 | 37,234 | 35,044 | 46,493 |\n| Equitysecurities | 127,584 | 12,768 | 12,249 | 12,230 | 12,335 |\n| Other securities | 228,403 | 221,695 | 222,378 | 237,518 | 273,587 |\n| Totalinvestmentsecurities | 9,162,029 | 9,729,519 | 9,843,028 | 10,489,849 | 11,289,457 |\n| Federalfundssold | 1,612 | 599 | 1,194 | 2,722 | 7,484 |\n| Securitiespurchasedunderagreementstoresell | 303,586 | 340,934 | 450,000 | 712,472 | 824,974 |\n| Interestearningdepositswithbanks | 2,099,777 | 1,938,381 | 2,387,415 | 2,337,744 | 2,284,162 |\n| Otherassets | 1,651,808 | 1,715,716 | 1,797,849 | 1,750,222 | 1,941,340 |\n| Total assets | $ 30,235,950 | $30,645,474 | $31,381,030 | S 32,108,691 | S 32,863,354 |\n| LIABILITIESANDEQUITY: | | | | | |\n| Non-interestbearingdeposits | $ 7,297,955 | $7,328,603 | $7,748,654S | 7,939,190 | 8,224,475 |\n| Savings | 1,328,989 | 1,333,983 | 1,357,733 | 1,436,149 | 1,516,887 |\n| Interestcheckingandmoneymarket | 13,162,118 | 13,215,270 | 13,166,783 | 13,048,199 | 12,918,399 |\n| CertificatesofdepositoflessthanS100000 | 1,003,798 | 976,804 | 1,097,224 | 1,423,965 | 1,075,110 |\n| Certificatesofdepositofs1oo,oo0andover | 1,492,592 | 1,595,310 | 1,839,057 | 1,718,126 | 1,472,208 |\n| Total deposits | 24,285,452 | 24,449,970 | 25,209,451 | 25,565,629 | 25,207,079 |\n| Borrowings: | | | | | |\n| Federalfundspurchased | 265,042 | 328,216 | 473,534 | 508,851 | 507,165 |\n| Securitiessoldunderagreementstorepurchase | 2,254,849 | 2,511,959 | 2,467,118 | 2,283,020 | 2,206,612 |\n| Otherborrowings | 838 | 76 | 179,587 | 685,222 | 1,617,952 |\n| Total borrowings | 2,520,729 | 2,840,251 | 3,120,239 | 3,477,093 | 4,331,729 |\n| Otherliabilities | 399,080 | 410,310 | 421,402 | 367,741 | 598,915 |\n| Totalliabilities | 27,205,261 | 27,700,531 | 28,751,092 | 29,410,463 | 30,137,723 |\n| Equity | 3,030,689 | 2,944,943 | 2,629,938 | 2,698,228 | 2,725,631 |\n| Totalliabilitiesandequity | $ 30,235,950 | $30,645,474 | $31,381,030 $ | 32,108,691 | 32,863,354 |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "101230425", "page": 7, "ocr_ran": true, "ocr_cells": 228, "ocr_frac": 1.0, "ocr_conf": 0.99, "docling_rows": 44, "docling_cols": 6, "docling_nonempty_cells": 223, "docling_md": "| | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded |\n|---------------------------------------------|--------------------------|--------------------------|--------------------------|--------------------------|--------------------------|\n| (Unaudited) | Jun.30, 2024 | Mar.31, 2024 | Dec.31, 2023 | Sep.30, 2023 | Jun.30, 2023 |\n| ASSETS: | | | | | |\n| Loans: | | | | | |\n| Business() | 6.11% | 6.07% | 5.91% | 5.77% | 5.58% |\n| Realestate-constructionandland | 8.36 | 8.40 | 8.34 | 8.17 | 7.92 |\n| Realestate-business | 6.26 | 6.26 | 6.18 | 6.13 | 5.96 |\n| Realestate-personal | 4.04 | 3.95 | 3.85 | 3.73 | 3.68 |\n| Consumer | 6.56 | 6.40 | 6.21 | 5.97 | 5.63 |\n| Revolvinghomeequity | 7.68 | 7.70 | 7.70 | 7.76 | 7.55 |\n| Consumercreditcard | 13.96 | 14.11 | 13.83 | 13.77 | 13.77 |\n| Overdrafts | | | | | |\n| Totalloans | 6.30 | 6.27 | 6.15 | 6.02 | 5.84 |\n| Loansheldforsale | 7.54 | 7.49 | 9.93 | 10.55 | 10.17 |\n| Investmentsecurities: | | | | | |\n| U.S.governmentandfederal agencyobligations | 5.04 | 2.08 | 2.32 | 2.31 | 3.42 |\n| Government-sponsoredenterpriseobligations | 2.39 | 2.39 | 2.36 | 2.36 | 2.38 |\n| State and municipal obligations() | 2.00 | 1.97 | 1.94 | 1.95 | 2.04 |\n| Mortgage-backedsecurities | 2.09 | 2.19 | 2.05 | 2.06 | 2.09 |\n| Asset-backed securities | 2.50 | 2.39 | 2.30 | 2.20 | 2.08 |\n| Otherdebtsecurities | 2.01 | 1.93 | 1.85 | 1.75 | 1.86 |\n| Totalavailableforsaledebtsecurities | 2.50 | 2.18 | 2.10 | 2.08 | 2.19 |\n| Trading debt securities () | 4.95 | 5.30 | 5.05 | 5.11 | 4.53 |\n| Equity securities () | 2.82 | 25.64 | 27.47 | 23.06 | 23.25 |\n| Other securities () | 13.20 | 13.04 | 8.60 | 13.13 | 9.40 |\n| Totalinvestmentsecurities | 2.75 | 2.44 | 2.27 | 2.33 | 2.37 |\n| Federalfundssold | 6.74 | 6.71 | 6.65 | 6.56 | 5.63 |\n| Securitiespurchased underagreementstoresell | 3.21 | 1.93 | 1.64 | 2.08 | 1.99 |\n| Interestearningdepositswithbanks | 5.48 | 5.48 | 5.47 | 5.39 | 5.14 |\n| Totalinterestearning assets | 4.98 | 4.78 | 4.62 | 4.51 | 4.34 |\n| LIABILITIESANDEQUITY: | | | | | |\n| Interestbearing deposits: | | | | | |\n| Savings | .06 | .06 | .05 | .05 | .05 |\n| Interestcheckingandmoneymarket | 1.73 | 1.69 | 1.57 | 1.33 | .93 |\n| Certificatesofdepositoflessthan$100,000 | 4.22 | 4.20 | 4.21 | 4.32 | 3.78 |\n| Certificatesofdepositofs100,000andover | 4.55 | 4.56 | 4.55 | 4.37 | 3.93 |\n| Totalinterestbearing deposits | 1.99 | 1.97 | 1.93 | 1.76 | 1.29 |\n| Borrowings: | | | | | |\n| Federalfundspurchased | 5.42 | 5.42 | 5.40 | 5.33 | 5.06 |\n| Securitiessoldunderagreementstorepurchase | 3.44 | 3.43 | 3.25 | 3.20 | 3.09 |\n| Otherborrowings | 3.84 | | 5.45 | 5.30 | 5.24 |\n| Totalborrowings | 3.65 | 3.66 | 3.71 | 3.93 | 4.13 |\n| Total interestbearingliabilities | 2.21% | 2.21% | 2.20% | 2.12% | 1.87% |\n| Netyieldon interestearning assets | 3.55% | 3.33% | 3.17% | 3.11% | 3.12% |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "101230425", "page": 8, "ocr_ran": true, "ocr_cells": 255, "ocr_frac": 1.0, "ocr_conf": 0.97, "docling_rows": 46, "docling_cols": 8, "docling_nonempty_cells": 246, "docling_md": "| | | FortheThreeMonthsEnded | FortheThreeMonthsEnded | FortheThreeMonthsEnded | | FortheSixMonths Ended | FortheSixMonths Ended |\n|---------------------------------------------|--------------|--------------------------|--------------------------|--------------------------|--------------|-------------------------|-------------------------|\n| (Unaudited) (Inthousands,exceptratios) | Jun.30, 2024 | Mar.31, 2024 | Dec.31, 2023 | Sep.30, 2023 | Jun.30, 2023 | Jun.30, 2024 | Jun.30, 2023 |\n| ALLOWANCEFORCREDITLOSSESONLOANS | | | | | | | |\n| Balanceatbeginningofperiod | S160,465 | $162,395 | $162,244 | $158,685 | $159,317 | $162,395 | $150,136 |\n| Provisionforcreditlossesonloans | 7,849 | 6,947 | 8,170 | 13,343 | 5,864 | 14,796 | 21,812 |\n| Netcharge-offs(recoveries): | | | | | | | |\n| Commercialportfolio: | | | | | | | |\n| Business | 622 | 23 | 96 | 2,613 | 165 | 645 | 395 |\n| Realestate-constructionandland | | | | | (115) | | (115) |\n| Realestate-business | (8) | (141) | 128 | (15) | (5) | (149) | (9) |\n| | 614 | (118) | 224 | 2,598 | 45 | 496 | 271 |\n| Personal bankingportfolio: | | | | | | | |\n| Consumercreditcard | 6,746 | 6,435 | 5,325 | 4,716 | 4,687 | 13,181 | 9,012 |\n| Consumer | 1,804 | 1,983 | 1,903 | 1,797 | 1,273 | 3,787 | 2,548 |\n| Overdraft | 521 | 557 | 588 | 683 | 517 | 1,078 | 1,495 |\n| Realestate-personal | 79 | 24 | (11) | (9) | (6) | 103 | (17) |\n| Revolvinghomeequity | (7) | (4) | (10) | (1) | (20) | (11) | (46) |\n| | 9,143 | 8,995 | 7,795 | 7,186 | 6,451 | 18,138 | 12,992 |\n| Totalnetloancharge-offs | 9,757 | 8,877 | 8,019 | 9,784 | 6,496 | 18,634 | 13,263 |\n| Balanceatendofperiod | $158,557 | $160,465 | $162,395 | $162,244 | $158,685 | $158,557 | $158,685 |\n| LIABILITYFORUNFUNDEDLENDINGCOMMITMENTS | $20,705 | $23,086 | $25,246 | $27,537 | $29,235 | | |\n| NETCHARGE-OFFRATIOS | | | | | | | |\n| Commercialportfolio: | | | | | | | |\n| Business | .04% | %\u4e00 | .01% | .18% | %10 | .02% | %10 |\n| Realestate-constructionandland | | | \u4e00 | | (.03) | | (.02) |\n| Realestate-business | | (.02) | .01 | | | (.01) | |\n| | .02 | | .01 | .09 | | .01 | .01 |\n| Personalbankingportfolio: | | | | | | | |\n| Consumercreditcard | 4.91 | 4.60 | 3.72 | 3.32 | 3.38 | 4.75 | 3.27 |\n| Consumer | .34 | .38 | .36 | .34 | .24 | .36 | .25 |\n| Overdraft | 43.15 | 29.11 | 44.37 | 50.73 | 44.79 | 34.54 | 66.40 |\n| Realestate-personal | .01 | | | | | .01 | |\n| Revolvinghomeequity | (.01) | | (.01) | | (.03) | (.01) | (.03) |\n| | .61 | .60 | .51 | .48 | .44 | .60 | .44 |\n| Total | .23% | .21% | .19% | .23% | .16% | .22% | .16% |\n| CREDITQUALITYRATIOS | | | | | | | |\n| Non-accrualloanstototalloans | .11% | .03% | .04% | .05% | .04% | | |\n| Allowanceforcreditlossesonloanstototalloans | .92 | .93 | .94 | .95 | .94 | | |\n| NON-ACCRUALANDPASTDUELOANS | | | | | | | |\n| Non-accrual loans: | | | | | | | |\n| Business | S504 | $1,038 | $3,622 | $6,602 | $4,732 | | |\n| Realestate-business | 15,050 | 1,246 | 60 | 76 | 153 | | |\n| Realestate-personal | 1,772 | 1,523 | 1,653 | 1,531 | 1,276 | | |\n| Revolvinghomeequity | 1,977 | 1,977 | 1,977 | | | | |\n| Total | 19,303 | 5,784 | 7,312 | 8,209 | 6,161 | | |\n| Loanspastdue9odaysandstillaccruinginterest | $18,566 | $20,281 | $21,864 | $18,580 | $15,351 | | |", "camelot_match_cov": 1.0, "camelot_accuracy": 0.0, "camelot_nonempty": false, "camelot_md": "" }, { "doc": "102174103", "page": 11, "ocr_ran": false, "ocr_cells": 94, "ocr_frac": 0.0, "ocr_conf": 0.0, "docling_rows": 33, "docling_cols": 3, "docling_nonempty_cells": 84, "docling_md": "| | December 31, | December 31, |\n|----------------------------------------------------------------------------------------------------------------------------|----------------|----------------|\n| (dollars and shares in millions, except per share amounts) | 2023 | 2022 |\n| Assets | | |\n| Current assets: | | |\n| Cash and cash equivalents | $ 311.7 | $ 81.3 |\n| Restricted cash | 5.5 | 5.5 |\n| Marketable securities | 949.3 | 1,124.0 |\n| Accounts receivable | | 1.0 |\n| Other receivables | 7.2 | 7.0 |\n| Prepaid expenses and other current assets | 6.5 | 21.4 |\n| Total current assets | 1,280.2 | 1,240.2 |\n| Property, equipment and leasehold improvements, net | 11.5 | 13.4 |\n| Operating lease right of use assets | 2.5 | 4.4 |\n| Collaboration contract asset and other assets | 10.4 | 10.8 |\n| Total assets | $ 1,304.6 | $ 1,268.8 |\n| Liabilities and stockholders' equity | | |\n| Current liabilities: | | |\n| Accounts payable and accrued liabilities | $ 92.2 | $ 74.7 |\n| Deferred revenue | 163.0 | 218.6 |\n| Current portion of operating lease liability | 1.9 | 1.8 |\n| Total current liabilities | 257.1 | 295.1 |\n| Deferred revenue | 386.2 | 405.1 |\n| Long term debt | 0.8 | 1.0 |\n| Operating lease liability | 0.5 | 2.7 |\n| Total liabilities | 644.6 | 703.9 |\n| Stockholders' equity: | | |\n| Preferred stock, $0.001 par value, zero shares issued and outstanding as of December 31, 2023 and 2022, respectively | | |\n| Common stock, $0.001 par value, 68.0 and 53.2 shares issued and outstanding as of December 31, 2023 and 2022, respectively | 0.1 | 0.1 |\n| Accumulated deficit | (1,332.7) | (965.4) |\n| Additional paid-in capital | 1,995.7 | 1,549.4 |\n| Accumulated other comprehensive loss | (3.1) | (19.2) |\n| Total stockholders' equity | 660.0 | 564.9 |\n| Total liabilities and stockholders' equity | $ 1,304.6 | $ 1,268.8 |", "camelot_match_cov": 1.0, "camelot_accuracy": 97.72, "camelot_nonempty": true, "camelot_md": "| | December 31, 2023 | December 31, 2022 |\n| --- | --- | --- |\n| **Assets** | | |\n| **Current assets:** | | |\n| Cash and cash equivalents | $ 311.7 | $ 81.3 |\n| Restricted cash | 5.5 | 5.5 |\n| Marketable securities | 949.3 | 1,124.0 |\n| Accounts receivable | \u2014 | 1.0 |\n| Other receivables | 7.2 | 7.0 |\n| Prepaid expenses and other current assets | 6.5 | 21.4 |\n| Total current assets | 1,280.2 | 1,240.2 |\n| Property, equipment and leasehold improvements, net | 11.5 | 13.4 |\n| Operating lease right of use assets | 2.5 | 4.4 |\n| Collaboration contract asset and other assets | 10.4 | 10.8 |\n| **Total assets** | $ 1,304.6 | $ 1,268.8 |\n| **Liabilities and stockholders' equity** | | |\n| **Current liabilities:** | | |\n| Accounts payable and accrued liabilities | $ 92.2 | $ 74.7 |\n| Deferred revenue | 163.0 | 218.6 |\n| Current portion of operating lease liability | 1.9 | 1.8 |\n| Total current liabilities | 257.1 | 295.1 |\n| Deferred revenue | 386.2 | 405.1 |\n| Long term debt | 0.8 | 1.0 |\n| Operating lease liability | 0.5 | 2.7 |\n| **Total liabilities** | 644.6 | 703.9 |\n| **Stockholders' equity:** | | |\n| Preferred stock, $0.001 par value, zero shares issued and outstanding as of December 31, 2023 and 2022, respectively | \u2014 | \u2014 |\n| Common stock, $0.001 par value, 68.0 and 53.2 shares issued and outstanding as of December 31, 2023 and 2022, respectively | 0.1 | 0.1 |\n| Accumulated deficit | (1,332.7) | (965.4) |\n| Additional paid-in capital | 1,995.7 | 1,549.4 |\n| Accumulated other comprehensive loss | (3.1) | (19.2) |\n| **Total stockholders' equity** | 660.0 | 564.9 |\n| **Total liabilities and stockholders' equity** | $ 1,304.6 | $ 1,268.8 |" }, { "doc": "102174103", "page": 12, "ocr_ran": false, "ocr_cells": 82, "ocr_frac": 0.0, "ocr_conf": 0.0, "docling_rows": 15, "docling_cols": 5, "docling_nonempty_cells": 67, "docling_md": "| | Three Months Ended December 31, | Three Months Ended December 31, | Year Ended December 31, | Year Ended December 31, |\n|---------------------------------------------------------------------|-----------------------------------|-----------------------------------|---------------------------|---------------------------|\n| (dollars and shares in millions, except per share amounts) | 2023 | 2022 | 2023 | 2022 |\n| Revenue | $ (43.1) | $ 38.0 | $ 78.5 | $ 131.4 |\n| Operating expenses: | | | | |\n| Research and development | 95.2 | 98.3 | 379.7 | 315.0 |\n| General and administrative | 27.0 | 15.1 | 100.3 | 79.6 |\n| Total operating expenses | 122.2 | 113.4 | 480.0 | 394.6 |\n| Loss from operations | (165.3) | (75.4) | (401.5) | (263.2) |\n| Interest and other income | 12.1 | 6.3 | 37.6 | 12.2 |\n| Net loss before income taxes and loss from equity method investment | (153.2) | (69.1) | (363.9) | (251.0) |\n| Income tax expense | (1.6) | (10.8) | (0.9) | (20.9) |\n| Loss from equity method investment | | (3.0) | (2.5) | (10.6) |\n| Net loss | $ (154.8) | $ (82.9) | $ (367.3) | $ (282.5) |\n| Net loss per common share - basic and diluted | $ (2.53) | $ (1.56) | $ (6.62) | $ (5.31) |\n| Weighted average common shares outstanding - basic and diluted | 61.1 | 53.2 | 55.5 | 53.2 |", "camelot_match_cov": 1.0, "camelot_accuracy": 96.43, "camelot_nonempty": true, "camelot_md": "| | Three Months Ended December 31, 2023 | Three Months Ended December 31, 2022 | Year Ended December 31, 2023 | Year Ended December 31, 2022 |\n| --- | --- | --- | --- | --- |\n| Revenue | $ (43.1) | $ 38.0 | $ 78.5 | $ 131.4 |\n| Operating expenses: | | | | |\n| Research and development | 95.2 | 98.3 | 379.7 | 315.0 |\n| General and administrative | 27.0 | 15.1 | 100.3 | 79.6 |\n| Total operating expenses | 122.2 | 113.4 | 480.0 | 394.6 |\n| Loss from operations | (165.3) | (75.4) | (401.5) | (263.2) |\n| Interest and other income | 12.1 | 6.3 | 37.6 | 12.2 |\n| Net loss before income taxes and loss from equity method investment | (153.2) | (69.1) | (363.9) | (251.0) |\n| Income tax expense | (1.6) | (10.8) | (0.9) | (20.9) |\n| Loss from equity method investment | | (3.0) | (2.5) | (10.6) |\n| Net loss | $ (154.8) | $ (82.9) | $ (367.3) | $ (282.5) |\n| Net loss per common share - basic and diluted | $ (2.53) | $ (1.56) | $ (6.62) | $ (5.31) |\n| Weighted average common shares outstanding - basic and diluted | 61.1 | 53.2 | 55.5 | 53.2 |" } ]