Call reports 2002
CASS COMMERCIAL BANK — 2002
What CASS COMMERCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 261,245,000 | 278,673,000 | 277,853,000 | 313,484,000 |
| Total loans | 201,584,000 | 222,696,000 | 204,026,000 | 227,165,000 |
| Allowance for loan losses | 2,854,000 | 2,911,000 | 2,946,000 | 3,013,000 |
| Securities available for sale | 11,476,000 | 391,000 | 14,133,000 | 13,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,054,000 | 248,914,000 | 242,428,000 | 245,295,000 |
| Interest-bearing deposits | 128,967,000 | 142,782,000 | 139,649,000 | 134,166,000 |
| Noninterest-bearing deposits | 102,087,000 | 106,132,000 | 102,779,000 | 111,129,000 |
| Equity capital | 28,357,000 | 28,887,000 | 29,431,000 | 29,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 7,185,000 | 10,839,000 | 14,386,000 |
| Interest expense | 558,000 | 1,152,000 | 1,746,000 | 2,314,000 |
| Net interest income | 2,976,000 | 6,033,000 | 9,093,000 | 12,072,000 |
| Noninterest income | 784,000 | 1,572,000 | 2,357,000 | 3,183,000 |
| Noninterest expense | 2,048,000 | 4,238,000 | 6,374,000 | 8,527,000 |
| Provision for loan losses | 90,000 | 225,000 | 255,000 | 365,000 |
| Pretax income | 1,622,000 | 3,305,000 | 4,985,000 | 6,527,000 |
| Income tax | 615,000 | 1,255,000 | 1,883,000 | 2,435,000 |
| Net income | 1,007,000 | 2,050,000 | 3,102,000 | 4,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,207,000 | 23,640,000 | 23,949,000 | 24,412,000 |
| Total capital | 25,934,000 | 26,551,000 | 26,762,000 | 27,425,000 |
| Risk-weighted assets | 217,634,000 | 239,207,000 | 224,917,000 | 252,070,000 |