Call reports 2003
CASS COMMERCIAL BANK — 2003
What CASS COMMERCIAL BANK 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 | 285,362,000 | 300,551,000 | 309,762,000 | 335,783,000 |
| Total loans | 230,487,000 | 237,655,000 | 234,608,000 | 259,964,000 |
| Allowance for loan losses | 3,107,000 | 3,113,000 | 3,119,000 | 3,576,000 |
| Securities available for sale | 12,056,000 | 10,362,000 | 3,903,000 | 4,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,122,000 | 253,725,000 | 269,540,000 | 273,089,000 |
| Interest-bearing deposits | 135,814,000 | 149,220,000 | 161,289,000 | 115,295,000 |
| Noninterest-bearing deposits | 92,308,000 | 104,505,000 | 108,251,000 | 157,794,000 |
| Equity capital | 30,958,000 | 31,527,000 | 32,427,000 | 32,709,000 |
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 | 3,580,000 | 6,998,000 | 10,201,000 | 13,562,000 |
| Interest expense | 536,000 | 1,036,000 | 1,500,000 | 2,023,000 |
| Net interest income | 3,044,000 | 5,962,000 | 8,701,000 | 11,539,000 |
| Noninterest income | 2,392,000 | 4,858,000 | 7,474,000 | 10,123,000 |
| Noninterest expense | 3,616,000 | 7,425,000 | 11,188,000 | 15,049,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 540,000 |
| Pretax income | 1,730,000 | 3,305,000 | 4,936,000 | 6,112,000 |
| Income tax | 651,000 | 1,238,000 | 1,864,000 | 2,299,000 |
| Net income | 1,079,000 | 2,067,000 | 3,072,000 | 3,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,093,000 | 26,739,000 | 27,821,000 | 28,190,000 |
| Total capital | 29,200,000 | 29,852,000 | 30,940,000 | 31,707,000 |
| Risk-weighted assets | 251,941,000 | 258,864,000 | 260,446,000 | 281,264,000 |