Cass Commercial Bank in Bridgeton, Missouri (MO), CA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Cass Commercial Bank in Bridgeton, Missouri (MO), CA
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Cass Commercial Bank - Overview

  • General
  • FDIC Certificate #: 1068
    Status: Active
    Federal Reserve ID: 177751
    Bank Holding Company (Regulatory Top Holder): Cass Information Systems, Inc. (RSSDID: 1098648, Location: Bridgeton, MO)
    Date Established: January 01, 1906
    WWW: http://www.cassbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: Yes)
    FDIC's unique #: 717
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 13001 Hollenberg Drive, Bridgeton, MO 63044
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $623.0 mil
    Equity capital: $58.2 mil
    Deposits held in domestic offices: $560.6 mil
    Return on assets (ROA): 1.38% ($8.6 mil)
    Quarterly return on assets: 1.29% ($8.0 mil)
    Return on Equity (ROE): 14.85% ($8.6 mil)
    Quarterly return on equity: 13.76% ($8.0 mil)
    Net income: $8.3 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 2.28% ($14,204.3 mil)
    Quarterly Pretax return on assets: 2.10% ($13,082.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 62Total employees (full-time equivalent)
  • $622,996Total assets
  • $127,170Cash and due from depository institutions
  • $115,196Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $484,754Net loans & leases
  • $8,938Loan loss allowance
  • $0Trading account assets
  • $226Bank premises and fixed assets
  • $1,689Other real estate owned
  • $136Goodwill and other intangibles
  • $622,996Life insurance assets
  • $9,021All other assets
  • $564,769Total liabilities and capital
  • $560,590Total liabilities
  • $416,412Total deposits
  • $560,590Interest-bearing deposits
  • $59Deposits held in domestic offices
  • 1237.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,942Subordinated debt
  • $58,227All other liabilities
  • $58,227Total equity capital
  • $58,227Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $6,906Surplus
  • $48,821Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,739Income earned, not collected on loans
  • $444Earning assets
  • $1,685Long-term assets (5+ years)
  • $599,950Average Assets, year-to-date
  • $24,609Average Assets, quarterly
  • $602,915Volatile liabilities
  • $623,351Insider loans
  • $525,869FHLB advances
  • $634,805Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $60,247Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,485Restructured Loans and leases
  • $578Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,506Total interest income
  • $4,392Total interest expense
  • $24,114Net interest income
  • $1,450Provision for loan and lease losses
  • $3,213Total noninterest income
  • $0Fiduciary activities
  • $1,577Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,636Additional noninterest income
  • $12,116Total noninterest expense
  • $5,884Salaries and employee benefits
  • $1,246Premises and equipment expense
  • $4,986Additional noninterest expense
  • $13,761Pre-tax net operating income
  • $0Securities gains (losses)
  • $5,468Applicable income taxes
  • $8,293Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,293Net income attributable to bank
  • $0Net charge-offs
  • $8,293Cash dividends
  • $1,087Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 2.28%Pretax return on assets
  • 14.85%Return on equity (ROE)
  • 14.85%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 133.39%Credit loss provision to net charge-offs
  • 13.99%Efficiency ratio
  • 44,337Assets per employee
  • 10.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 513.97%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 86.47%Net loans and leases to core deposits
  • 107.56%Equity capital to assets
  • 9.35%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $602,915Average earning assets
  • $55,847Average equity
  • $579,414Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    8442424Santa Ana Branch3000 W. Macarthur Blvd - Suite 100, Santa Ana, CA 92704Febuary 23, 2005Full Service Brick and Mortar
  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0717Cass Commercial Bank13001 Hollenberg Drive, Bridgeton, MO 63044January 01, 1906Full Service Brick and Mortar
    1187825Drive-In Facility1420 North 13th Street, St. Louis, MO 63106April 15, 1974Limited Service Facility
    4187828Rudder Road Branch1671 Larkin Williams Road, Fenton, MO 63026April 14, 1997Full Service Brick and Mortar
    5187829Spirit 40 Park Branch702 Spirit 40 Park Drive, Suite 100, Chesterfield, MO 63005July 14, 1997Full Service Brick and Mortar
    7440688Schuetz Road Branch2222 Schuetz Road, Saint Louis, MO 63146April 25, 2005Full Service Brick and Mortar

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