Call reports 2009
DECORAH BANK AND TRUST COMPANY — 2009
What DECORAH BANK AND TRUST COMPANY 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 | 332,171,000 | 325,496,000 | 326,948,000 | 325,822,000 |
| Total loans | 218,228,000 | 214,899,000 | 211,842,000 | 211,652,000 |
| Allowance for loan losses | 3,042,000 | 3,021,000 | 3,185,000 | 3,371,000 |
| Securities available for sale | 80,415,000 | 83,388,000 | 87,227,000 | 82,554,000 |
| Securities held to maturity | 7,000 | 6,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,945,000 | 259,307,000 | 259,334,000 | 264,362,000 |
| Interest-bearing deposits | 234,211,000 | 234,263,000 | 233,935,000 | 236,013,000 |
| Noninterest-bearing deposits | 28,734,000 | 25,044,000 | 25,399,000 | 28,349,000 |
| Equity capital | 34,378,000 | 34,364,000 | 36,667,000 | 36,451,000 |
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 | 4,532,000 | 9,164,000 | 13,605,000 | 17,983,000 |
| Interest expense | 1,725,000 | 3,381,000 | 4,906,000 | 6,308,000 |
| Net interest income | 2,807,000 | 5,783,000 | 8,699,000 | 11,675,000 |
| Noninterest income | 691,000 | 1,408,000 | 2,148,000 | 2,639,000 |
| Noninterest expense | 2,052,000 | 4,316,000 | 6,351,000 | 8,750,000 |
| Provision for loan losses | 218,000 | 574,000 | 906,000 | 1,140,000 |
| Pretax income | 1,221,000 | 2,294,000 | 3,583,000 | 4,459,000 |
| Income tax | 49,000 | 105,000 | 172,000 | 213,000 |
| Net income | 1,172,000 | 2,189,000 | 3,411,000 | 4,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,364,000 | 27,933,000 | 28,509,000 | 28,745,000 |
| Total capital | 30,406,000 | 30,954,000 | 31,694,000 | 31,969,000 |
| Risk-weighted assets | 258,296,000 | 257,179,000 | 255,544,000 | 257,733,000 |
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