Call reports 2010
DECORAH BANK AND TRUST COMPANY — 2010
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 326,260,000 | 325,037,000 | 322,985,000 | 330,987,000 |
| Total loans | 217,141,000 | 220,284,000 | 216,468,000 | 209,576,000 |
| Allowance for loan losses | 3,536,000 | 3,457,000 | 3,698,000 | 3,968,000 |
| Securities available for sale | 81,110,000 | 74,954,000 | 73,781,000 | 90,264,000 |
| Securities held to maturity | 5,000 | 5,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,139,000 | 261,951,000 | 262,210,000 | 273,091,000 |
| Interest-bearing deposits | 237,300,000 | 236,784,000 | 235,871,000 | 242,202,000 |
| Noninterest-bearing deposits | 24,839,000 | 25,167,000 | 26,339,000 | 30,889,000 |
| Equity capital | 37,334,000 | 38,251,000 | 39,577,000 | 37,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,236,000 | 8,527,000 | 12,729,000 | 16,866,000 |
| Interest expense | 1,237,000 | 2,415,000 | 3,579,000 | 4,656,000 |
| Net interest income | 2,999,000 | 6,112,000 | 9,150,000 | 12,210,000 |
| Noninterest income | 558,000 | 1,162,000 | 1,886,000 | 2,632,000 |
| Noninterest expense | 1,997,000 | 4,118,000 | 6,142,000 | 8,386,000 |
| Provision for loan losses | 229,000 | 504,000 | 964,000 | 1,429,000 |
| Pretax income | 1,333,000 | 2,655,000 | 4,003,000 | 5,100,000 |
| Income tax | 54,000 | 131,000 | 197,000 | 202,000 |
| Net income | 1,279,000 | 2,524,000 | 3,806,000 | 4,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,251,000 | 29,823,000 | 30,232,000 | 30,341,000 |
| Total capital | 32,553,000 | 33,153,000 | 33,490,000 | 33,558,000 |
| Risk-weighted assets | 263,912,000 | 266,237,000 | 260,234,000 | 256,641,000 |
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