Cass Information Systems, Inc. (Cass) is a provider of payment and information processing services to manufacturing, distribution and retail enterprises across the United States. The Company provides transportation invoice rating, payment, audit, accounting and transportation information to many companies. It is also a processor and payer of utility invoices, including electricity, gas, and other facility related expenses. The services provided by the Company are classified into two reportable segments: Information Services and Banking Services. The Information Services segment provides transportation, utility and telecommunication invoice processing and payment services to corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches. As of December 31, 2010, the Bank's loan portfolio was $708,633,000 and represented 60% of the Company's total assets.