Call reports 2011
DECORAH BANK AND TRUST COMPANY — 2011
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 340,071,000 | 338,520,000 | 335,796,000 | 338,424,000 |
| Total loans | 216,263,000 | 215,020,000 | 216,433,000 | 213,852,000 |
| Allowance for loan losses | 3,650,000 | 3,687,000 | 3,502,000 | 3,198,000 |
| Securities available for sale | 92,413,000 | 98,025,000 | 94,500,000 | 97,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,663,000 | 277,401,000 | 270,089,000 | 274,047,000 |
| Interest-bearing deposits | 249,075,000 | 246,122,000 | 237,621,000 | 239,591,000 |
| Noninterest-bearing deposits | 29,588,000 | 31,279,000 | 32,468,000 | 34,456,000 |
| Equity capital | 38,341,000 | 40,647,000 | 42,228,000 | 42,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,032,000 | 8,080,000 | 12,094,000 | 16,046,000 |
| Interest expense | 989,000 | 1,954,000 | 2,842,000 | 3,654,000 |
| Net interest income | 3,043,000 | 6,126,000 | 9,252,000 | 12,392,000 |
| Noninterest income | 586,000 | 1,286,000 | 2,064,000 | 2,784,000 |
| Noninterest expense | 2,036,000 | 4,141,000 | 6,204,000 | 8,188,000 |
| Provision for loan losses | 210,000 | 440,000 | 810,000 | 1,770,000 |
| Pretax income | 1,383,000 | 2,840,000 | 4,831,000 | 5,763,000 |
| Income tax | 61,000 | 118,000 | 209,000 | 223,000 |
| Net income | 1,322,000 | 2,722,000 | 4,622,000 | 5,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,771,000 | 31,285,000 | 32,064,000 | 32,316,000 |
| Total capital | 33,960,000 | 34,483,000 | 35,283,000 | 35,491,000 |
| Risk-weighted assets | 254,630,000 | 255,343,000 | 257,276,000 | 253,949,000 |
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