Call reports 2010
CASS COMMERCIAL BANK — 2010
What CASS COMMERCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 498,104,000 | 521,226,000 | 564,553,000 | 580,948,000 |
| Total loans | 464,346,000 | 464,284,000 | 482,108,000 | 511,693,000 |
| Allowance for loan losses | 6,403,000 | 7,165,000 | 7,742,000 | 8,575,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,900,000 | 470,902,000 | 505,677,000 | 523,724,000 |
| Interest-bearing deposits | 330,621,000 | 357,746,000 | 383,243,000 | 408,514,000 |
| Noninterest-bearing deposits | 117,279,000 | 113,156,000 | 122,434,000 | 115,210,000 |
| Equity capital | 46,845,000 | 48,393,000 | 50,197,000 | 52,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,780,000 | 13,631,000 | 20,744,000 | 28,091,000 |
| Interest expense | 1,179,000 | 2,381,000 | 3,638,000 | 4,899,000 |
| Net interest income | 5,601,000 | 11,250,000 | 17,106,000 | 23,192,000 |
| Noninterest income | 727,000 | 1,441,000 | 2,233,000 | 3,071,000 |
| Noninterest expense | 2,923,000 | 5,882,000 | 9,020,000 | 11,979,000 |
| Provision for loan losses | 400,000 | 1,150,000 | 1,725,000 | 2,525,000 |
| Pretax income | 3,005,000 | 5,659,000 | 8,594,000 | 11,759,000 |
| Income tax | 1,160,000 | 2,266,000 | 3,397,000 | 4,669,000 |
| Net income | 1,845,000 | 3,393,000 | 5,197,000 | 7,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,709,000 | 48,257,000 | 50,061,000 | 51,954,000 |
| Total capital | 52,985,000 | 54,566,000 | 56,560,000 | 58,837,000 |
| Risk-weighted assets | 501,989,000 | 503,836,000 | 518,682,000 | 548,951,000 |