Call reports 2020
CASS COMMERCIAL BANK — 2020
What CASS COMMERCIAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 926,445,000 | 1,109,676,000 | 1,105,845,000 | 1,242,688,000 |
| Total loans | 779,972,000 | 902,078,000 | 891,661,000 | 841,666,000 |
| Allowance for loan losses | 8,671,000 | 9,074,000 | 9,080,000 | 11,247,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 769,327,000 | 944,308,000 | 936,945,000 | 1,071,833,000 |
| Interest-bearing deposits | 438,381,000 | 482,389,000 | 536,803,000 | 557,352,000 |
| Noninterest-bearing deposits | 330,946,000 | 461,919,000 | 400,142,000 | 514,481,000 |
| Equity capital | 146,674,000 | 151,010,000 | 155,227,000 | 159,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,809,000 | 17,663,000 | 26,307,000 | 36,231,000 |
| Interest expense | 964,000 | 1,444,000 | 1,909,000 | 2,359,000 |
| Net interest income | 7,845,000 | 16,219,000 | 24,398,000 | 33,872,000 |
| Noninterest income | 1,035,000 | 2,095,000 | 3,219,000 | 4,395,000 |
| Noninterest expense | 3,919,000 | 7,370,000 | 11,328,000 | 15,169,000 |
| Provision for loan losses | 325,000 | 725,000 | 725,000 | 725,000 |
| Pretax income | 4,636,000 | 10,219,000 | 15,564,000 | 22,373,000 |
| Income tax | 936,000 | 2,184,000 | 3,311,000 | 4,762,000 |
| Net income | 3,700,000 | 8,035,000 | 12,253,000 | 17,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,372,000 | 153,708,000 | 157,925,000 | 161,299,000 |
| Total capital | 158,043,000 | 162,782,000 | 167,005,000 | 171,297,000 |
| Risk-weighted assets | 844,026,000 | 810,530,000 | 788,926,000 | 798,190,000 |