Call reports 2011
CASS COMMERCIAL BANK — 2011
What CASS COMMERCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 591,456,000 | 595,471,000 | 623,706,000 | 622,996,000 |
| Total loans | 494,860,000 | 510,855,000 | 500,253,000 | 493,692,000 |
| Allowance for loan losses | 8,911,000 | 9,512,000 | 9,094,000 | 8,938,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,550,000 | 532,145,000 | 557,323,000 | 560,590,000 |
| Interest-bearing deposits | 402,298,000 | 387,579,000 | 423,812,000 | 416,412,000 |
| Noninterest-bearing deposits | 129,252,000 | 144,566,000 | 133,511,000 | 144,178,000 |
| Equity capital | 54,257,000 | 56,286,000 | 58,377,000 | 58,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,387,000 | 14,644,000 | 21,668,000 | 28,506,000 |
| Interest expense | 1,215,000 | 2,343,000 | 3,406,000 | 4,392,000 |
| Net interest income | 6,172,000 | 12,301,000 | 18,262,000 | 24,114,000 |
| Noninterest income | 819,000 | 1,689,000 | 2,459,000 | 3,213,000 |
| Noninterest expense | 3,089,000 | 6,100,000 | 8,980,000 | 12,116,000 |
| Provision for loan losses | 300,000 | 900,000 | 1,250,000 | 1,450,000 |
| Pretax income | 3,602,000 | 6,990,000 | 10,491,000 | 13,761,000 |
| Income tax | 1,435,000 | 2,794,000 | 4,204,000 | 5,468,000 |
| Net income | 2,167,000 | 4,196,000 | 6,287,000 | 8,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,121,000 | 56,150,000 | 58,241,000 | 60,247,000 |
| Total capital | 60,945,000 | 62,975,000 | 64,956,000 | 66,843,000 |
| Risk-weighted assets | 543,860,000 | 543,291,000 | 534,859,000 | 525,869,000 |