Call reports 2007
DE WITT STATE BANK — 2007
What DE WITT STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 39,452,000 | 39,846,000 | 39,603,000 | 39,644,000 |
| Total loans | 28,887,000 | 29,956,000 | 29,355,000 | 28,214,000 |
| Allowance for loan losses | 371,000 | 371,000 | 166,000 | 155,000 |
| Securities available for sale | 7,326,000 | 7,201,000 | 7,111,000 | 7,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,299,000 | 32,290,000 | 32,295,000 | 33,030,000 |
| Interest-bearing deposits | 28,869,000 | 28,344,000 | 29,241,000 | 29,478,000 |
| Noninterest-bearing deposits | 4,430,000 | 3,946,000 | 3,054,000 | 3,552,000 |
| Equity capital | 3,317,000 | 3,398,000 | 3,412,000 | 3,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,265,000 | 1,920,000 | 2,571,000 |
| Interest expense | 288,000 | 584,000 | 903,000 | 1,217,000 |
| Net interest income | 340,000 | 681,000 | 1,017,000 | 1,354,000 |
| Noninterest income | 42,000 | 77,000 | 145,000 | 293,000 |
| Noninterest expense | 266,000 | 525,000 | 797,000 | 1,072,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 114,000 | 231,000 | 363,000 | 573,000 |
| Income tax | 18,000 | 37,000 | 62,000 | 114,000 |
| Net income | 96,000 | 194,000 | 301,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,945,000 | 3,042,000 | 3,050,000 | 3,107,000 |
| Total capital | 3,295,000 | 3,405,000 | 3,216,000 | 3,262,000 |
| Risk-weighted assets | 27,993,000 | 29,069,000 | 28,799,000 | 29,148,000 |