Call reports 2013
DECORAH BANK AND TRUST COMPANY — 2013
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 353,183,000 | 355,952,000 | 358,596,000 | 365,002,000 |
| Total loans | 237,557,000 | 245,269,000 | 249,413,000 | 258,158,000 |
| Allowance for loan losses | 3,869,000 | 4,088,000 | 4,338,000 | 4,490,000 |
| Securities available for sale | 88,372,000 | 80,330,000 | 81,095,000 | 80,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,107,000 | 288,015,000 | 290,345,000 | 297,352,000 |
| Interest-bearing deposits | 250,414,000 | 248,848,000 | 247,523,000 | 252,079,000 |
| Noninterest-bearing deposits | 36,693,000 | 39,167,000 | 42,822,000 | 45,273,000 |
| Equity capital | 45,675,000 | 44,413,000 | 44,720,000 | 44,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,760,000 | 7,653,000 | 11,477,000 | 15,347,000 |
| Interest expense | 561,000 | 1,108,000 | 1,653,000 | 2,192,000 |
| Net interest income | 3,199,000 | 6,545,000 | 9,824,000 | 13,155,000 |
| Noninterest income | 795,000 | 1,657,000 | 2,466,000 | 3,165,000 |
| Noninterest expense | 2,222,000 | 4,501,000 | 6,623,000 | 8,778,000 |
| Provision for loan losses | 213,000 | 438,000 | 663,000 | 814,000 |
| Pretax income | 1,561,000 | 3,285,000 | 5,026,000 | 6,776,000 |
| Income tax | 80,000 | 173,000 | 270,000 | 327,000 |
| Net income | 1,481,000 | 3,112,000 | 4,756,000 | 6,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,541,000 | 36,280,000 | 37,033,000 | 37,585,000 |
| Total capital | 38,971,000 | 39,733,000 | 40,556,000 | 41,223,000 |
| Risk-weighted assets | 273,953,000 | 275,612,000 | 281,004,000 | 290,178,000 |
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