Call reports 2012
DECORAH BANK AND TRUST COMPANY — 2012
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 343,057,000 | 334,092,000 | 336,334,000 | 358,082,000 |
| Total loans | 211,801,000 | 213,202,000 | 216,025,000 | 234,195,000 |
| Allowance for loan losses | 3,414,000 | 3,623,000 | 3,308,000 | 3,646,000 |
| Securities available for sale | 107,658,000 | 97,806,000 | 92,562,000 | 92,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,059,000 | 266,365,000 | 269,304,000 | 292,185,000 |
| Interest-bearing deposits | 237,806,000 | 229,281,000 | 233,008,000 | 247,515,000 |
| Noninterest-bearing deposits | 37,253,000 | 37,084,000 | 36,296,000 | 44,670,000 |
| Equity capital | 42,859,000 | 44,105,000 | 44,761,000 | 45,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,829,000 | 7,603,000 | 11,348,000 | 15,441,000 |
| Interest expense | 737,000 | 1,401,000 | 2,006,000 | 2,593,000 |
| Net interest income | 3,092,000 | 6,202,000 | 9,342,000 | 12,848,000 |
| Noninterest income | 805,000 | 1,684,000 | 2,542,000 | 3,483,000 |
| Noninterest expense | 2,183,000 | 4,176,000 | 6,565,000 | 8,794,000 |
| Provision for loan losses | 275,000 | 550,000 | 825,000 | 1,100,000 |
| Pretax income | 1,439,000 | 3,216,000 | 4,587,000 | 6,563,000 |
| Income tax | 65,000 | 168,000 | 239,000 | 320,000 |
| Net income | 1,374,000 | 3,048,000 | 4,348,000 | 6,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,783,000 | 33,466,000 | 33,874,000 | 34,952,000 |
| Total capital | 35,962,000 | 36,632,000 | 37,078,000 | 38,366,000 |
| Risk-weighted assets | 254,058,000 | 252,799,000 | 256,180,000 | 272,926,000 |