Call reports 2008
CASS COUNTY BANK, INC — 2008
What CASS COUNTY BANK, INC reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 51,314,000 | 50,002,000 | 50,993,000 | 51,788,000 |
| Total loans | 35,363,000 | 37,393,000 | 37,495,000 | 37,369,000 |
| Allowance for loan losses | 370,000 | 373,000 | 387,000 | 373,000 |
| Securities available for sale | 5,609,000 | 4,718,000 | 5,967,000 | 5,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,868,000 | 44,512,000 | 45,355,000 | 46,204,000 |
| Interest-bearing deposits | 42,509,000 | 40,944,000 | 42,490,000 | 43,021,000 |
| Noninterest-bearing deposits | 3,359,000 | 3,568,000 | 2,865,000 | 3,183,000 |
| Equity capital | 5,076,000 | 5,146,000 | 5,270,000 | 5,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,742,000 | 2,599,000 | 3,376,000 |
| Interest expense | 370,000 | 710,000 | 1,032,000 | 1,347,000 |
| Net interest income | 513,000 | 1,032,000 | 1,567,000 | 2,029,000 |
| Noninterest income | 77,000 | 135,000 | 220,000 | 280,000 |
| Noninterest expense | 400,000 | 779,000 | 1,204,000 | 1,664,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 103,000 |
| Pretax income | 178,000 | 364,000 | 547,000 | 543,000 |
| Income tax | 48,000 | 111,000 | 172,000 | 195,000 |
| Net income | 130,000 | 253,000 | 375,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,040,000 | 5,158,000 | 5,275,000 | 5,248,000 |
| Total capital | 5,410,000 | 5,531,000 | 5,662,000 | 5,621,000 |
| Risk-weighted assets | 33,579,000 | 34,766,000 | 35,038,000 | 35,223,000 |