Call reports 2015
CASS COMMERCIAL BANK — 2015
What CASS COMMERCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 724,292,000 | 675,777,000 | 713,173,000 | 761,739,000 |
| Total loans | 549,332,000 | 560,582,000 | 566,024,000 | 568,372,000 |
| Allowance for loan losses | 8,585,000 | 8,589,000 | 8,563,000 | 8,567,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 627,465,000 | 572,243,000 | 620,095,000 | 665,465,000 |
| Interest-bearing deposits | 459,531,000 | 398,404,000 | 409,546,000 | 469,673,000 |
| Noninterest-bearing deposits | 167,934,000 | 173,839,000 | 210,549,000 | 195,792,000 |
| Equity capital | 83,494,000 | 85,451,000 | 87,370,000 | 90,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,909,000 | 12,099,000 | 18,191,000 | 24,461,000 |
| Interest expense | 596,000 | 1,122,000 | 1,621,000 | 2,123,000 |
| Net interest income | 5,313,000 | 10,977,000 | 16,570,000 | 22,338,000 |
| Noninterest income | 724,000 | 1,457,000 | 2,174,000 | 2,860,000 |
| Noninterest expense | 3,133,000 | 6,387,000 | 9,617,000 | 12,117,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | -500,000 |
| Pretax income | 2,804,000 | 5,947,000 | 9,027,000 | 13,581,000 |
| Income tax | 1,081,000 | 2,267,000 | 3,428,000 | 5,160,000 |
| Net income | 1,723,000 | 3,680,000 | 5,599,000 | 8,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,772,000 | 87,728,000 | 89,647,000 | 92,469,000 |
| Total capital | 92,936,000 | 95,023,000 | 97,019,000 | 99,883,000 |
| Risk-weighted assets | 571,764,000 | 582,302,000 | 588,596,000 | 591,962,000 |