Call reports 2008
DECORAH BANK AND TRUST COMPANY — 2008
What DECORAH BANK AND TRUST COMPANY 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 | 323,296,000 | 326,688,000 | 323,882,000 | 332,534,000 |
| Total loans | 217,076,000 | 217,260,000 | 219,846,000 | 219,611,000 |
| Allowance for loan losses | 2,424,000 | 2,506,000 | 2,707,000 | 2,852,000 |
| Securities available for sale | 76,460,000 | 74,137,000 | 73,092,000 | 72,326,000 |
| Securities held to maturity | 8,000 | 7,000 | 7,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,626,000 | 255,348,000 | 246,670,000 | 260,488,000 |
| Interest-bearing deposits | 224,506,000 | 223,485,000 | 220,234,000 | 229,704,000 |
| Noninterest-bearing deposits | 27,120,000 | 31,863,000 | 26,436,000 | 30,784,000 |
| Equity capital | 32,614,000 | 32,426,000 | 32,422,000 | 32,652,000 |
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 | 4,920,000 | 9,758,000 | 14,473,000 | 19,118,000 |
| Interest expense | 2,265,000 | 4,306,000 | 6,242,000 | 8,087,000 |
| Net interest income | 2,655,000 | 5,452,000 | 8,231,000 | 11,031,000 |
| Noninterest income | 532,000 | 1,161,000 | 1,835,000 | 2,320,000 |
| Noninterest expense | 1,721,000 | 3,654,000 | 5,634,000 | 7,712,000 |
| Provision for loan losses | 87,000 | 185,000 | 460,000 | 931,000 |
| Pretax income | 1,386,000 | 2,883,000 | 4,081,000 | 4,817,000 |
| Income tax | 73,000 | 143,000 | 224,000 | 265,000 |
| Net income | 1,313,000 | 2,740,000 | 3,857,000 | 4,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,152,000 | 25,946,000 | 26,430,000 | 26,493,000 |
| Total capital | 27,576,000 | 28,452,000 | 29,137,000 | 29,345,000 |
| Risk-weighted assets | 241,053,000 | 247,587,000 | 250,131,000 | 253,966,000 |
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