Call reports 2006
CASS COUNTY BANK, INC — 2006
What CASS COUNTY BANK, INC reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,435,000 | 50,561,000 | 49,854,000 | 49,325,000 |
| Total loans | 31,823,000 | 33,479,000 | 32,618,000 | 32,292,000 |
| Allowance for loan losses | 250,000 | 273,000 | 312,000 | 287,000 |
| Securities available for sale | 7,749,000 | 8,149,000 | 7,961,000 | 7,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,971,000 | 46,028,000 | 45,057,000 | 44,466,000 |
| Interest-bearing deposits | 45,075,000 | 42,227,000 | 42,368,000 | 41,488,000 |
| Noninterest-bearing deposits | 2,896,000 | 3,801,000 | 2,689,000 | 2,979,000 |
| Equity capital | 4,232,000 | 4,295,000 | 4,471,000 | 4,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,556,000 | 2,366,000 | 3,173,000 |
| Interest expense | 325,000 | 658,000 | 998,000 | 1,358,000 |
| Net interest income | 435,000 | 898,000 | 1,368,000 | 1,815,000 |
| Noninterest income | 96,000 | 195,000 | 303,000 | 347,000 |
| Noninterest expense | 398,000 | 795,000 | 1,179,000 | 1,532,000 |
| Provision for loan losses | 18,000 | 48,000 | 78,000 | 108,000 |
| Pretax income | 115,000 | 250,000 | 414,000 | 522,000 |
| Income tax | 25,000 | 67,000 | 124,000 | 179,000 |
| Net income | 90,000 | 183,000 | 290,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,375,000 | 4,463,000 | 4,565,000 | 4,614,000 |
| Total capital | 4,625,000 | 4,736,000 | 4,877,000 | 4,901,000 |
| Risk-weighted assets | 32,164,000 | 32,584,000 | 32,654,000 | 31,434,000 |