Call reports 2008
CASS COMMERCIAL BANK — 2008
What CASS COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 316,348,000 | 335,701,000 | 404,307,000 | 382,982,000 |
| Total loans | 283,274,000 | 287,171,000 | 305,745,000 | 358,751,000 |
| Allowance for loan losses | 4,561,000 | 4,244,000 | 4,323,000 | 4,405,000 |
| Securities available for sale | 1,999,000 | 1,997,000 | 1,998,000 | 200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,971,000 | 293,691,000 | 309,410,000 | 339,810,000 |
| Interest-bearing deposits | 176,192,000 | 227,014,000 | 246,086,000 | 235,040,000 |
| Noninterest-bearing deposits | 89,779,000 | 66,677,000 | 63,324,000 | 104,770,000 |
| Equity capital | 38,527,000 | 39,178,000 | 40,029,000 | 39,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,618,000 | 9,077,000 | 13,797,000 | 18,753,000 |
| Interest expense | 1,397,000 | 2,306,000 | 3,233,000 | 4,129,000 |
| Net interest income | 3,221,000 | 6,771,000 | 10,564,000 | 14,624,000 |
| Noninterest income | 747,000 | 1,555,000 | 2,379,000 | 3,161,000 |
| Noninterest expense | 2,707,000 | 5,461,000 | 8,234,000 | 10,904,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,200,000 | 1,700,000 |
| Pretax income | 961,000 | 2,065,000 | 3,509,000 | 5,181,000 |
| Income tax | 399,000 | 849,000 | 1,443,000 | 2,034,000 |
| Net income | 562,000 | 1,216,000 | 2,066,000 | 3,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,389,000 | 39,043,000 | 39,892,000 | 39,782,000 |
| Total capital | 42,244,000 | 42,944,000 | 44,199,000 | 44,187,000 |
| Risk-weighted assets | 307,707,000 | 311,731,000 | 344,574,000 | 387,837,000 |