Call reports 2008
DE WITT STATE BANK — 2008
What DE WITT STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,524,000 | 40,486,000 | 38,471,000 | 38,547,000 |
| Total loans | 26,894,000 | 29,879,000 | 28,902,000 | 28,726,000 |
| Allowance for loan losses | 225,000 | 476,000 | 476,000 | 452,000 |
| Securities available for sale | 6,308,000 | 7,394,000 | 7,206,000 | 6,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,028,000 | 34,548,000 | 31,192,000 | 32,854,000 |
| Interest-bearing deposits | 31,158,000 | 30,909,000 | 27,945,000 | 26,918,000 |
| Noninterest-bearing deposits | 4,870,000 | 3,639,000 | 3,247,000 | 5,936,000 |
| Equity capital | 3,429,000 | 3,236,000 | 3,364,000 | 3,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,105,000 | 1,589,000 | 2,087,000 |
| Interest expense | 309,000 | 574,000 | 811,000 | 1,030,000 |
| Net interest income | 294,000 | 531,000 | 778,000 | 1,057,000 |
| Noninterest income | 37,000 | 88,000 | 221,000 | 355,000 |
| Noninterest expense | 265,000 | 532,000 | 789,000 | 1,086,000 |
| Provision for loan losses | 70,000 | 330,000 | 330,000 | 917,000 |
| Pretax income | -4,000 | -243,000 | -120,000 | -587,000 |
| Income tax | -9,000 | -45,000 | -5,000 | -111,000 |
| Net income | 5,000 | -198,000 | -115,000 | -476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,113,000 | 2,911,000 | 2,994,000 | 2,662,000 |
| Total capital | 3,338,000 | 3,287,000 | 3,357,000 | 3,025,000 |
| Risk-weighted assets | 28,878,000 | 29,984,000 | 28,887,000 | 28,983,000 |