Call reports 2014
CASS COMMERCIAL BANK — 2014
What CASS COMMERCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 679,391,000 | 663,546,000 | 690,718,000 | 755,400,000 |
| Total loans | 532,532,000 | 538,035,000 | 546,561,000 | 549,975,000 |
| Allowance for loan losses | 8,131,000 | 8,340,000 | 8,446,000 | 8,481,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,625,000 | 565,547,000 | 600,760,000 | 635,582,000 |
| Interest-bearing deposits | 426,820,000 | 408,853,000 | 450,972,000 | 464,207,000 |
| Noninterest-bearing deposits | 166,805,000 | 156,694,000 | 149,788,000 | 171,375,000 |
| Equity capital | 76,976,000 | 78,731,000 | 80,741,000 | 81,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,946,000 | 12,064,000 | 18,259,000 | 24,481,000 |
| Interest expense | 628,000 | 1,259,000 | 1,864,000 | 2,472,000 |
| Net interest income | 5,318,000 | 10,805,000 | 16,395,000 | 22,009,000 |
| Noninterest income | 640,000 | 1,282,000 | 1,929,000 | 2,627,000 |
| Noninterest expense | 3,010,000 | 6,055,000 | 8,947,000 | 11,829,000 |
| Provision for loan losses | 100,000 | 300,000 | 400,000 | 400,000 |
| Pretax income | 2,848,000 | 5,732,000 | 8,977,000 | 12,407,000 |
| Income tax | 1,137,000 | 2,266,000 | 3,502,000 | 4,753,000 |
| Net income | 1,711,000 | 3,466,000 | 5,475,000 | 7,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,106,000 | 79,861,000 | 81,871,000 | 84,049,000 |
| Total capital | 85,068,000 | 86,882,000 | 88,949,000 | 91,249,000 |
| Risk-weighted assets | 555,764,000 | 560,339,000 | 564,900,000 | 574,710,000 |