Call reports 2006
CASS COMMERCIAL BANK — 2006
What CASS COMMERCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 320,924,000 | 318,554,000 | 318,361,000 | 333,424,000 |
| Total loans | 245,411,000 | 258,776,000 | 265,942,000 | 267,360,000 |
| Allowance for loan losses | 4,275,000 | 4,324,000 | 4,234,000 | 4,547,000 |
| Securities available for sale | 4,495,000 | 4,483,000 | 4,495,000 | 3,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,325,000 | 277,040,000 | 276,464,000 | 291,656,000 |
| Interest-bearing deposits | 174,913,000 | 179,362,000 | 175,053,000 | 183,307,000 |
| Noninterest-bearing deposits | 104,412,000 | 97,678,000 | 101,411,000 | 108,349,000 |
| Equity capital | 38,678,000 | 38,653,000 | 38,824,000 | 38,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,974,000 | 10,218,000 | 15,834,000 | 21,527,000 |
| Interest expense | 1,357,000 | 2,926,000 | 4,807,000 | 6,844,000 |
| Net interest income | 3,617,000 | 7,292,000 | 11,027,000 | 14,683,000 |
| Noninterest income | 1,019,000 | 1,814,000 | 2,606,000 | 3,381,000 |
| Noninterest expense | 2,470,000 | 5,391,000 | 8,162,000 | 10,943,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 550,000 |
| Pretax income | 2,016,000 | 3,465,000 | 5,221,000 | 6,571,000 |
| Income tax | 825,000 | 1,409,000 | 2,118,000 | 2,656,000 |
| Net income | 1,191,000 | 2,056,000 | 3,103,000 | 3,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,562,000 | 38,517,000 | 38,699,000 | 38,511,000 |
| Total capital | 42,014,000 | 42,041,000 | 42,293,000 | 42,242,000 |
| Risk-weighted assets | 275,333,000 | 281,150,000 | 286,777,000 | 297,690,000 |