Call reports 2004
DE WITT STATE BANK — 2004
What DE WITT STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,785,000 | 32,200,000 | 35,217,000 | 34,262,000 |
| Total loans | 19,132,000 | 23,153,000 | 26,085,000 | 24,971,000 |
| Allowance for loan losses | 339,000 | 342,000 | 345,000 | 349,000 |
| Securities available for sale | 5,365,000 | 6,499,000 | 6,732,000 | 6,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,133,000 | 28,125,000 | 27,620,000 | 29,764,000 |
| Interest-bearing deposits | 25,388,000 | 25,166,000 | 24,656,000 | 26,017,000 |
| Noninterest-bearing deposits | 2,745,000 | 2,959,000 | 2,964,000 | 3,747,000 |
| Equity capital | 2,533,000 | 2,469,000 | 2,755,000 | 2,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 809,000 | 1,277,000 | 1,762,000 |
| Interest expense | 131,000 | 264,000 | 407,000 | 559,000 |
| Net interest income | 276,000 | 545,000 | 870,000 | 1,203,000 |
| Noninterest income | 50,000 | 86,000 | 150,000 | 240,000 |
| Noninterest expense | 226,000 | 448,000 | 673,000 | 966,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 97,000 | 177,000 | 338,000 | 465,000 |
| Income tax | 20,000 | 22,000 | 53,000 | 77,000 |
| Net income | 77,000 | 155,000 | 285,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,121,000 | 2,199,000 | 2,330,000 | 2,283,000 |
| Total capital | 2,382,000 | 2,474,000 | 2,637,000 | 2,579,000 |
| Risk-weighted assets | 20,795,000 | 21,948,000 | 24,539,000 | 23,596,000 |