Call reports 2023
CASS COMMERCIAL BANK — 2023
What CASS COMMERCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,439,218,000 | 1,462,578,000 | 1,580,967,000 | 1,514,367,000 |
| Total loans | 1,001,319,000 | 984,093,000 | 966,488,000 | 942,718,000 |
| Allowance for loan losses | 12,517,000 | 12,437,000 | 12,522,000 | 12,322,000 |
| Securities available for sale | 261,232,000 | 232,134,000 | 228,143,000 | 227,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,267,091,000 | 1,286,294,000 | 1,398,128,000 | 1,322,740,000 |
| Interest-bearing deposits | 683,432,000 | 609,775,000 | 886,833,000 | 796,933,000 |
| Noninterest-bearing deposits | 583,659,000 | 676,519,000 | 511,295,000 | 525,807,000 |
| Equity capital | 162,188,000 | 168,447,000 | 174,743,000 | 184,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,117,000 | 32,306,000 | 50,097,000 | 68,375,000 |
| Interest expense | 4,258,000 | 9,176,000 | 15,590,000 | 22,267,000 |
| Net interest income | 11,859,000 | 23,130,000 | 34,507,000 | 46,108,000 |
| Noninterest income | 2,226,000 | 4,473,000 | 7,057,000 | 9,698,000 |
| Noninterest expense | 5,850,000 | 11,371,000 | 17,101,000 | 22,612,000 |
| Provision for loan losses | -710,000 | -790,000 | -705,000 | -905,000 |
| Pretax income | 8,995,000 | 17,122,000 | 25,157,000 | 34,048,000 |
| Income tax | 1,960,000 | 3,670,000 | 5,378,000 | 7,291,000 |
| Net income | 7,035,000 | 13,452,000 | 19,779,000 | 26,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,384,000 | 178,800,000 | 185,127,000 | 192,104,000 |
| Total capital | 185,069,000 | 191,355,000 | 197,767,000 | 204,584,000 |
| Risk-weighted assets | 1,157,031,000 | 1,121,574,000 | 1,090,453,000 | 1,074,551,000 |