Call reports 2006
DE WITT STATE BANK — 2006
What DE WITT STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 37,975,000 | 39,264,000 | 39,724,000 | 40,624,000 |
| Total loans | 28,496,000 | 29,530,000 | 29,745,000 | 29,934,000 |
| Allowance for loan losses | 363,000 | 364,000 | 367,000 | 369,000 |
| Securities available for sale | 7,402,000 | 7,208,000 | 7,351,000 | 7,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,749,000 | 29,546,000 | 30,517,000 | 32,258,000 |
| Interest-bearing deposits | 25,682,000 | 26,415,000 | 27,020,000 | 27,826,000 |
| Noninterest-bearing deposits | 3,067,000 | 3,131,000 | 3,497,000 | 4,432,000 |
| Equity capital | 3,021,000 | 3,105,000 | 3,325,000 | 3,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,207,000 | 1,842,000 | 2,477,000 |
| Interest expense | 225,000 | 485,000 | 780,000 | 1,086,000 |
| Net interest income | 374,000 | 722,000 | 1,062,000 | 1,391,000 |
| Noninterest income | 41,000 | 81,000 | 138,000 | 243,000 |
| Noninterest expense | 245,000 | 492,000 | 741,000 | 1,055,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 169,000 | 308,000 | 454,000 | 573,000 |
| Income tax | 36,000 | 29,000 | 56,000 | 63,000 |
| Net income | 133,000 | 279,000 | 398,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,671,000 | 2,817,000 | 2,936,000 | 2,849,000 |
| Total capital | 3,015,000 | 3,171,000 | 3,295,000 | 3,215,000 |
| Risk-weighted assets | 27,272,000 | 28,318,000 | 28,717,000 | 29,278,000 |