Call reports 2012
CASS COMMERCIAL BANK — 2012
What CASS COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 590,458,000 | 600,552,000 | 634,563,000 | 668,647,000 |
| Total loans | 500,940,000 | 510,368,000 | 508,895,000 | 527,220,000 |
| Allowance for loan losses | 8,985,000 | 9,044,000 | 8,743,000 | 8,779,000 |
| Securities available for sale | 0 | 0 | 0 | 22,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,007,000 | 531,858,000 | 564,516,000 | 570,294,000 |
| Interest-bearing deposits | 390,416,000 | 388,515,000 | 417,673,000 | 419,564,000 |
| Noninterest-bearing deposits | 135,591,000 | 143,343,000 | 146,843,000 | 150,730,000 |
| Equity capital | 60,258,000 | 62,471,000 | 64,838,000 | 65,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,626,000 | 13,309,000 | 19,978,000 | 26,748,000 |
| Interest expense | 840,000 | 1,614,000 | 2,404,000 | 3,172,000 |
| Net interest income | 5,786,000 | 11,695,000 | 17,574,000 | 23,576,000 |
| Noninterest income | 728,000 | 1,468,000 | 2,180,000 | 2,935,000 |
| Noninterest expense | 2,929,000 | 5,911,000 | 8,787,000 | 11,612,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 1,800,000 |
| Pretax income | 3,385,000 | 7,052,000 | 10,767,000 | 13,099,000 |
| Income tax | 1,354,000 | 2,808,000 | 4,156,000 | 5,085,000 |
| Net income | 2,031,000 | 4,244,000 | 6,611,000 | 8,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,279,000 | 64,492,000 | 66,859,000 | 68,261,000 |
| Total capital | 68,919,000 | 71,248,000 | 73,586,000 | 75,304,000 |
| Risk-weighted assets | 528,874,000 | 538,202,000 | 536,114,000 | 561,698,000 |