Call reports 2009
DE WITT STATE BANK — 2009
What DE WITT STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 40,099,000 | 39,292,000 | 37,975,000 | 37,695,000 |
| Total loans | 26,148,000 | 26,851,000 | 27,087,000 | 27,408,000 |
| Allowance for loan losses | 373,000 | 393,000 | 359,000 | 324,000 |
| Securities available for sale | 6,312,000 | 6,124,000 | 6,150,000 | 5,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,372,000 | 34,698,000 | 33,361,000 | 32,816,000 |
| Interest-bearing deposits | 30,451,000 | 30,599,000 | 29,176,000 | 28,808,000 |
| Noninterest-bearing deposits | 3,921,000 | 4,099,000 | 4,185,000 | 4,008,000 |
| Equity capital | 3,041,000 | 2,698,000 | 2,764,000 | 2,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 932,000 | 1,402,000 | 1,879,000 |
| Interest expense | 202,000 | 397,000 | 571,000 | 727,000 |
| Net interest income | 270,000 | 535,000 | 831,000 | 1,152,000 |
| Noninterest income | 31,000 | 171,000 | 243,000 | 354,000 |
| Noninterest expense | 247,000 | 559,000 | 846,000 | 1,175,000 |
| Provision for loan losses | 17,000 | 537,000 | 547,000 | 657,000 |
| Pretax income | 37,000 | -390,000 | -319,000 | -326,000 |
| Income tax | 8,000 | -78,000 | -72,000 | -176,000 |
| Net income | 29,000 | -312,000 | -247,000 | -150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,692,000 | 2,350,000 | 2,415,000 | 2,521,000 |
| Total capital | 3,045,000 | 2,703,000 | 2,774,000 | 2,845,000 |
| Risk-weighted assets | 28,233,000 | 28,205,000 | 28,824,000 | 28,618,000 |