Call reports 2007
DECORAH BANK AND TRUST COMPANY — 2007
What DECORAH BANK AND TRUST COMPANY 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 | 229,384,000 | 224,331,000 | 236,698,000 | 316,316,000 |
| Total loans | 152,183,000 | 152,451,000 | 151,381,000 | 208,189,000 |
| Allowance for loan losses | 1,741,000 | 1,795,000 | 1,742,000 | 2,401,000 |
| Securities available for sale | 59,342,000 | 54,963,000 | 55,288,000 | 70,936,000 |
| Securities held to maturity | 9,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,614,000 | 181,462,000 | 190,977,000 | 253,686,000 |
| Interest-bearing deposits | 168,640,000 | 161,860,000 | 172,886,000 | 225,647,000 |
| Noninterest-bearing deposits | 18,974,000 | 19,602,000 | 18,091,000 | 28,039,000 |
| Equity capital | 19,698,000 | 19,355,000 | 20,515,000 | 31,170,000 |
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 | 3,529,000 | 7,130,000 | 10,708,000 | 15,471,000 |
| Interest expense | 1,770,000 | 3,551,000 | 5,353,000 | 7,632,000 |
| Net interest income | 1,759,000 | 3,579,000 | 5,355,000 | 7,839,000 |
| Noninterest income | 387,000 | 859,000 | 1,298,000 | 1,823,000 |
| Noninterest expense | 1,295,000 | 2,562,000 | 3,806,000 | 6,202,000 |
| Provision for loan losses | 66,000 | 130,000 | 193,000 | 267,000 |
| Pretax income | 718,000 | 1,643,000 | 2,551,000 | 2,949,000 |
| Income tax | 31,000 | 82,000 | 132,000 | 163,000 |
| Net income | 687,000 | 1,561,000 | 2,419,000 | 2,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,136,000 | 20,529,000 | 20,906,000 | 24,419,000 |
| Total capital | 21,877,000 | 22,324,000 | 22,648,000 | 26,820,000 |
| Risk-weighted assets | 174,815,000 | 174,340,000 | 177,357,000 | 242,523,000 |
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