Call reports 2007
CASS COUNTY BANK, INC — 2007
What CASS COUNTY BANK, INC reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,503,000 | 48,805,000 | 48,962,000 | 50,692,000 |
| Total loans | 30,876,000 | 32,688,000 | 33,539,000 | 34,630,000 |
| Allowance for loan losses | 317,000 | 344,000 | 373,000 | 351,000 |
| Securities available for sale | 7,069,000 | 7,787,000 | 8,094,000 | 7,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,584,000 | 42,883,000 | 42,269,000 | 44,228,000 |
| Interest-bearing deposits | 42,138,000 | 40,184,000 | 39,205,000 | 41,099,000 |
| Noninterest-bearing deposits | 2,446,000 | 2,699,000 | 3,064,000 | 3,129,000 |
| Equity capital | 4,609,000 | 4,654,000 | 4,844,000 | 4,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,587,000 | 2,445,000 | 3,300,000 |
| Interest expense | 362,000 | 724,000 | 1,085,000 | 1,465,000 |
| Net interest income | 419,000 | 863,000 | 1,360,000 | 1,835,000 |
| Noninterest income | 75,000 | 154,000 | 249,000 | 323,000 |
| Noninterest expense | 410,000 | 793,000 | 1,150,000 | 1,546,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 108,000 |
| Pretax income | 54,000 | 164,000 | 369,000 | 504,000 |
| Income tax | 8,000 | 41,000 | 112,000 | 181,000 |
| Net income | 46,000 | 123,000 | 257,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,656,000 | 4,728,000 | 4,853,000 | 4,914,000 |
| Total capital | 4,973,000 | 5,072,000 | 5,226,000 | 5,265,000 |
| Risk-weighted assets | 30,156,000 | 31,168,000 | 31,771,000 | 33,403,000 |