Call reports 2019
CASS COMMERCIAL BANK — 2019
What CASS COMMERCIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 832,326,000 | 816,660,000 | 862,142,000 | 915,341,000 |
| Total loans | 708,853,000 | 736,299,000 | 723,072,000 | 725,233,000 |
| Allowance for loan losses | 7,918,000 | 8,038,000 | 8,041,000 | 8,338,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 690,133,000 | 672,157,000 | 714,486,000 | 762,832,000 |
| Interest-bearing deposits | 384,254,000 | 377,547,000 | 400,538,000 | 406,045,000 |
| Noninterest-bearing deposits | 305,879,000 | 294,610,000 | 313,948,000 | 356,787,000 |
| Equity capital | 131,592,000 | 135,626,000 | 139,756,000 | 142,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,006,000 | 18,285,000 | 27,808,000 | 36,803,000 |
| Interest expense | 1,290,000 | 2,595,000 | 3,987,000 | 5,192,000 |
| Net interest income | 7,716,000 | 15,690,000 | 23,821,000 | 31,611,000 |
| Noninterest income | 996,000 | 2,033,000 | 2,942,000 | 3,927,000 |
| Noninterest expense | 3,606,000 | 7,351,000 | 11,210,000 | 15,334,000 |
| Provision for loan losses | 50,000 | 150,000 | 150,000 | 400,000 |
| Pretax income | 5,056,000 | 10,222,000 | 15,403,000 | 19,804,000 |
| Income tax | 1,059,000 | 2,190,000 | 3,242,000 | 4,169,000 |
| Net income | 3,997,000 | 8,032,000 | 12,161,000 | 15,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,034,000 | 138,068,000 | 142,198,000 | 145,673,000 |
| Total capital | 141,952,000 | 146,106,000 | 150,239,000 | 154,011,000 |
| Risk-weighted assets | 772,347,000 | 794,891,000 | 787,343,000 | 797,222,000 |