Call reports 2004
CASS COMMERCIAL BANK — 2004
What CASS COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 308,313,000 | 340,988,000 | 332,588,000 | 321,190,000 |
| Total loans | 258,617,000 | 264,352,000 | 273,838,000 | 281,289,000 |
| Allowance for loan losses | 3,731,000 | 3,887,000 | 4,043,000 | 4,273,000 |
| Securities available for sale | 4,736,000 | 4,590,000 | 4,640,000 | 4,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,230,000 | 295,870,000 | 292,535,000 | 276,429,000 |
| Interest-bearing deposits | 170,636,000 | 194,712,000 | 185,170,000 | 179,267,000 |
| Noninterest-bearing deposits | 98,594,000 | 101,158,000 | 107,365,000 | 97,162,000 |
| Equity capital | 33,176,000 | 33,296,000 | 33,944,000 | 37,150,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,477,000 | 7,029,000 | 10,966,000 | 15,192,000 |
| Interest expense | 588,000 | 1,338,000 | 2,166,000 | 3,100,000 |
| Net interest income | 2,889,000 | 5,691,000 | 8,800,000 | 12,092,000 |
| Noninterest income | 1,801,000 | 3,638,000 | 5,711,000 | 7,697,000 |
| Noninterest expense | 3,791,000 | 7,889,000 | 11,885,000 | 16,036,000 |
| Provision for loan losses | 152,000 | 302,000 | 452,000 | 717,000 |
| Pretax income | 747,000 | 1,138,000 | 2,174,000 | 3,036,000 |
| Income tax | 314,000 | 494,000 | 919,000 | 1,256,000 |
| Net income | 433,000 | 644,000 | 1,255,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,701,000 | 28,989,000 | 29,678,000 | 32,817,000 |
| Total capital | 32,216,000 | 32,653,000 | 33,412,000 | 36,571,000 |
| Risk-weighted assets | 280,947,000 | 292,930,000 | 298,438,000 | 299,780,000 |