Call reports 2003
DE WITT STATE BANK — 2003
What DE WITT STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,693,000 | 23,457,000 | 23,315,000 | 30,090,000 |
| Total loans | 16,399,000 | 16,875,000 | 17,480,000 | 21,903,000 |
| Allowance for loan losses | 283,000 | 288,000 | 295,000 | 336,000 |
| Securities available for sale | 3,231,000 | 3,728,000 | 4,451,000 | 5,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,712,000 | 20,489,000 | 20,465,000 | 25,841,000 |
| Interest-bearing deposits | 17,474,000 | 18,379,000 | 18,256,000 | 23,241,000 |
| Noninterest-bearing deposits | 2,238,000 | 2,110,000 | 2,209,000 | 2,600,000 |
| Equity capital | 2,037,000 | 2,052,000 | 2,047,000 | 2,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 711,000 | 1,072,000 | 1,488,000 |
| Interest expense | 117,000 | 232,000 | 344,000 | 468,000 |
| Net interest income | 241,000 | 479,000 | 728,000 | 1,020,000 |
| Noninterest income | 28,000 | 54,000 | 95,000 | 150,000 |
| Noninterest expense | 180,000 | 372,000 | 541,000 | 790,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 161,000 | 282,000 | 380,000 |
| Income tax | 26,000 | 44,000 | 76,000 | 98,000 |
| Net income | 63,000 | 117,000 | 206,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,828,000 | 1,837,000 | 1,884,000 | 2,041,000 |
| Total capital | 2,039,000 | 2,055,000 | 2,114,000 | 2,329,000 |
| Risk-weighted assets | 16,794,000 | 17,381,000 | 18,360,000 | 22,978,000 |