Call reports 2016
CASS COMMERCIAL BANK — 2016
What CASS COMMERCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 718,234,000 | 753,333,000 | 742,933,000 | 756,165,000 |
| Total loans | 591,429,000 | 613,194,000 | 619,174,000 | 615,314,000 |
| Allowance for loan losses | 7,769,000 | 7,804,000 | 7,805,000 | 7,807,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 619,021,000 | 651,214,000 | 637,348,000 | 648,166,000 |
| Interest-bearing deposits | 426,578,000 | 435,359,000 | 421,630,000 | 407,305,000 |
| Noninterest-bearing deposits | 192,443,000 | 215,855,000 | 215,718,000 | 240,861,000 |
| Equity capital | 93,527,000 | 95,918,000 | 98,334,000 | 100,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,398,000 | 13,063,000 | 19,822,000 | 26,809,000 |
| Interest expense | 514,000 | 1,019,000 | 1,524,000 | 2,030,000 |
| Net interest income | 5,884,000 | 12,044,000 | 18,298,000 | 24,779,000 |
| Noninterest income | 902,000 | 1,671,000 | 2,372,000 | 3,099,000 |
| Noninterest expense | 2,899,000 | 6,012,000 | 9,095,000 | 12,140,000 |
| Provision for loan losses | -800,000 | -800,000 | -800,000 | -800,000 |
| Pretax income | 4,687,000 | 8,503,000 | 12,375,000 | 16,538,000 |
| Income tax | 1,801,000 | 3,226,000 | 4,682,000 | 6,238,000 |
| Net income | 2,886,000 | 5,277,000 | 7,693,000 | 10,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,355,000 | 97,746,000 | 100,163,000 | 102,770,000 |
| Total capital | 103,120,000 | 105,550,000 | 107,968,000 | 110,577,000 |
| Risk-weighted assets | 621,160,000 | 656,733,000 | 655,312,000 | 661,224,000 |