Call reports 2005
CASS COMMERCIAL BANK — 2005
What CASS COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 334,899,000 | 345,272,000 | 328,289,000 | 338,507,000 |
| Total loans | 271,332,000 | 269,057,000 | 271,783,000 | 256,787,000 |
| Allowance for loan losses | 3,993,000 | 4,146,000 | 4,299,000 | 4,346,000 |
| Securities available for sale | 4,538,000 | 4,549,000 | 4,540,000 | 4,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,715,000 | 302,313,000 | 279,983,000 | 288,752,000 |
| Interest-bearing deposits | 195,013,000 | 195,850,000 | 173,255,000 | 170,602,000 |
| Noninterest-bearing deposits | 98,702,000 | 106,463,000 | 106,728,000 | 118,150,000 |
| Equity capital | 37,155,000 | 37,374,000 | 37,484,000 | 38,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,216,000 | 8,727,000 | 13,442,000 | 18,476,000 |
| Interest expense | 976,000 | 2,170,000 | 3,397,000 | 4,688,000 |
| Net interest income | 3,240,000 | 6,557,000 | 10,045,000 | 13,788,000 |
| Noninterest income | 2,141,000 | 4,713,000 | 7,079,000 | 10,601,000 |
| Noninterest expense | 3,867,000 | 7,978,000 | 12,184,000 | 16,418,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,364,000 | 2,992,000 | 4,490,000 | 7,371,000 |
| Income tax | 555,000 | 1,204,000 | 1,818,000 | 2,924,000 |
| Net income | 809,000 | 1,788,000 | 2,672,000 | 4,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,946,000 | 33,218,000 | 33,422,000 | 38,250,000 |
| Total capital | 36,678,000 | 37,364,000 | 37,225,000 | 41,869,000 |
| Risk-weighted assets | 302,458,000 | 359,518,000 | 303,758,000 | 288,750,000 |