Call reports 2013
CASS COMMERCIAL BANK — 2013
What CASS COMMERCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 629,928,000 | 641,114,000 | 663,101,000 | 679,356,000 |
| Total loans | 515,678,000 | 525,041,000 | 505,662,000 | 523,078,000 |
| Allowance for loan losses | 7,537,000 | 7,857,000 | 7,880,000 | 7,896,000 |
| Securities available for sale | 19,493,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 551,485,000 | 557,254,000 | 574,591,000 | 593,119,000 |
| Interest-bearing deposits | 408,062,000 | 410,104,000 | 418,589,000 | 443,659,000 |
| Noninterest-bearing deposits | 143,423,000 | 147,150,000 | 156,002,000 | 149,460,000 |
| Equity capital | 67,997,000 | 69,881,000 | 71,896,000 | 75,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,556,000 | 13,134,000 | 19,406,000 | 25,591,000 |
| Interest expense | 689,000 | 1,386,000 | 2,111,000 | 2,844,000 |
| Net interest income | 5,867,000 | 11,748,000 | 17,295,000 | 22,747,000 |
| Noninterest income | 686,000 | 1,366,000 | 2,003,000 | 2,669,000 |
| Noninterest expense | 2,763,000 | 5,844,000 | 8,866,000 | 11,749,000 |
| Provision for loan losses | 200,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 3,590,000 | 6,739,000 | 9,901,000 | 13,136,000 |
| Income tax | 1,339,000 | 2,619,000 | 3,766,000 | 5,003,000 |
| Net income | 2,251,000 | 4,120,000 | 6,135,000 | 8,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,513,000 | 72,381,000 | 74,396,000 | 76,395,000 |
| Total capital | 77,337,000 | 79,233,000 | 80,970,000 | 83,168,000 |
| Risk-weighted assets | 545,214,000 | 546,986,000 | 524,628,000 | 540,705,000 |