Call reports 2007
CASS COMMERCIAL BANK — 2007
What CASS COMMERCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 324,686,000 | 324,033,000 | 319,639,000 | 345,749,000 |
| Total loans | 247,353,000 | 247,267,000 | 247,804,000 | 251,009,000 |
| Allowance for loan losses | 4,626,000 | 4,647,000 | 4,499,000 | 4,734,000 |
| Securities available for sale | 4,482,000 | 3,486,000 | 1,502,000 | 1,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,004,000 | 272,486,000 | 272,436,000 | 293,867,000 |
| Interest-bearing deposits | 182,720,000 | 179,674,000 | 182,203,000 | 195,444,000 |
| Noninterest-bearing deposits | 93,284,000 | 92,812,000 | 90,233,000 | 98,423,000 |
| Equity capital | 38,630,000 | 38,382,000 | 38,319,000 | 37,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,526,000 | 11,029,000 | 16,459,000 | 21,707,000 |
| Interest expense | 2,050,000 | 4,101,000 | 6,162,000 | 8,081,000 |
| Net interest income | 3,476,000 | 6,928,000 | 10,297,000 | 13,626,000 |
| Noninterest income | 828,000 | 1,740,000 | 2,603,000 | 3,454,000 |
| Noninterest expense | 2,573,000 | 5,458,000 | 8,117,000 | 10,827,000 |
| Provision for loan losses | 75,000 | 300,000 | 300,000 | 525,000 |
| Pretax income | 1,656,000 | 2,910,000 | 4,483,000 | 5,728,000 |
| Income tax | 664,000 | 1,165,000 | 1,799,000 | 2,296,000 |
| Net income | 992,000 | 1,745,000 | 2,684,000 | 3,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,499,000 | 38,248,000 | 38,183,000 | 37,827,000 |
| Total capital | 42,027,000 | 41,768,000 | 41,723,000 | 41,441,000 |
| Risk-weighted assets | 281,197,000 | 280,513,000 | 282,228,000 | 288,048,000 |