Call reports 2009
CASS COMMERCIAL BANK — 2009
What CASS COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 419,592,000 | 410,089,000 | 503,744,000 | 496,286,000 |
| Total loans | 361,727,000 | 382,883,000 | 435,550,000 | 461,845,000 |
| Allowance for loan losses | 4,586,000 | 4,879,000 | 5,086,000 | 5,988,000 |
| Securities available for sale | 200,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,568,000 | 363,755,000 | 453,636,000 | 448,330,000 |
| Interest-bearing deposits | 308,546,000 | 261,550,000 | 344,519,000 | 332,725,000 |
| Noninterest-bearing deposits | 53,022,000 | 102,205,000 | 109,117,000 | 115,605,000 |
| Equity capital | 41,007,000 | 42,237,000 | 43,695,000 | 45,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,283,000 | 11,187,000 | 17,441,000 | 24,229,000 |
| Interest expense | 1,029,000 | 2,303,000 | 3,678,000 | 5,062,000 |
| Net interest income | 4,254,000 | 8,884,000 | 13,763,000 | 19,167,000 |
| Noninterest income | 824,000 | 1,583,000 | 2,291,000 | 2,956,000 |
| Noninterest expense | 2,896,000 | 6,059,000 | 8,865,000 | 11,994,000 |
| Provision for loan losses | 400,000 | 650,000 | 1,000,000 | 1,800,000 |
| Pretax income | 1,782,000 | 3,758,000 | 6,189,000 | 8,329,000 |
| Income tax | 693,000 | 1,439,000 | 2,412,000 | 3,247,000 |
| Net income | 1,089,000 | 2,319,000 | 3,777,000 | 5,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,871,000 | 42,101,000 | 43,559,000 | 44,864,000 |
| Total capital | 45,457,000 | 46,980,000 | 48,645,000 | 50,852,000 |
| Risk-weighted assets | 399,380,000 | 417,843,000 | 466,890,000 | 492,014,000 |