Call reports 2005
DE WITT STATE BANK — 2005
What DE WITT STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,941,000 | 34,624,000 | 36,979,000 | 39,160,000 |
| Total loans | 22,980,000 | 25,626,000 | 27,056,000 | 28,783,000 |
| Allowance for loan losses | 352,000 | 355,000 | 358,000 | 361,000 |
| Securities available for sale | 6,845,000 | 7,216,000 | 7,601,000 | 7,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,374,000 | 28,101,000 | 27,718,000 | 28,688,000 |
| Interest-bearing deposits | 25,978,000 | 25,440,000 | 24,596,000 | 25,163,000 |
| Noninterest-bearing deposits | 3,396,000 | 2,661,000 | 3,122,000 | 3,525,000 |
| Equity capital | 2,783,000 | 2,902,000 | 3,019,000 | 2,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 467,000 | 952,000 | 1,503,000 | 2,052,000 |
| Interest expense | 147,000 | 296,000 | 474,000 | 682,000 |
| Net interest income | 320,000 | 656,000 | 1,029,000 | 1,370,000 |
| Noninterest income | 43,000 | 92,000 | 154,000 | 259,000 |
| Noninterest expense | 241,000 | 484,000 | 724,000 | 1,049,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 119,000 | 258,000 | 450,000 | 569,000 |
| Income tax | 20,000 | 51,000 | 94,000 | 113,000 |
| Net income | 99,000 | 207,000 | 356,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,382,000 | 2,490,000 | 2,639,000 | 2,539,000 |
| Total capital | 2,658,000 | 2,805,000 | 2,975,000 | 2,890,000 |
| Risk-weighted assets | 21,974,000 | 25,177,000 | 26,881,000 | 28,071,000 |