Call reports 2004
CASS COUNTY BANK, INC — 2004
What CASS COUNTY BANK, INC reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,342,000 | 50,808,000 | 49,822,000 | 48,622,000 |
| Total loans | 26,103,000 | 26,944,000 | 29,212,000 | 30,105,000 |
| Allowance for loan losses | 293,000 | 303,000 | 314,000 | 270,000 |
| Securities available for sale | 9,981,000 | 9,646,000 | 9,133,000 | 8,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,164,000 | 46,738,000 | 45,589,000 | 43,654,000 |
| Interest-bearing deposits | 41,313,000 | 43,496,000 | 42,253,000 | 40,640,000 |
| Noninterest-bearing deposits | 2,851,000 | 3,242,000 | 3,336,000 | 3,014,000 |
| Equity capital | 3,879,000 | 3,854,000 | 3,983,000 | 3,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 651,000 | 1,329,000 | 1,994,000 | 2,647,000 |
| Interest expense | 204,000 | 410,000 | 612,000 | 817,000 |
| Net interest income | 447,000 | 919,000 | 1,382,000 | 1,830,000 |
| Noninterest income | 128,000 | 282,000 | 390,000 | 491,000 |
| Noninterest expense | 416,000 | 844,000 | 1,307,000 | 1,751,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 147,000 | 333,000 | 429,000 | 531,000 |
| Income tax | 37,000 | 100,000 | 134,000 | 189,000 |
| Net income | 110,000 | 233,000 | 295,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,843,000 | 3,966,000 | 4,018,000 | 4,066,000 |
| Total capital | 4,136,000 | 4,269,000 | 4,332,000 | 4,336,000 |
| Risk-weighted assets | 26,728,000 | 28,086,000 | 29,443,000 | 30,280,000 |