Call reports 2014
DECORAH BANK AND TRUST COMPANY — 2014
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 371,359,000 | 373,925,000 | 375,619,000 | 396,551,000 |
| Total loans | 261,387,000 | 265,786,000 | 268,575,000 | 271,224,000 |
| Allowance for loan losses | 4,657,000 | 4,744,000 | 4,769,000 | 4,777,000 |
| Securities available for sale | 84,286,000 | 80,320,000 | 82,865,000 | 84,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,688,000 | 300,609,000 | 302,698,000 | 319,008,000 |
| Interest-bearing deposits | 257,408,000 | 252,222,000 | 255,111,000 | 263,451,000 |
| Noninterest-bearing deposits | 45,280,000 | 48,387,000 | 47,587,000 | 55,557,000 |
| Equity capital | 45,671,000 | 46,983,000 | 47,882,000 | 50,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,806,000 | 7,734,000 | 11,700,000 | 15,698,000 |
| Interest expense | 524,000 | 1,060,000 | 1,599,000 | 2,148,000 |
| Net interest income | 3,282,000 | 6,674,000 | 10,101,000 | 13,550,000 |
| Noninterest income | 634,000 | 1,403,000 | 2,214,000 | 3,084,000 |
| Noninterest expense | 2,449,000 | 4,593,000 | 6,747,000 | 8,733,000 |
| Provision for loan losses | 150,000 | 220,000 | 250,000 | 400,000 |
| Pretax income | 1,320,000 | 3,286,000 | 5,340,000 | 7,523,000 |
| Income tax | 82,000 | 166,000 | 265,000 | 343,000 |
| Net income | 1,238,000 | 3,120,000 | 5,075,000 | 7,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,971,000 | 38,696,000 | 39,568,000 | 42,028,000 |
| Total capital | 41,656,000 | 42,374,000 | 43,298,000 | 45,822,000 |
| Risk-weighted assets | 293,860,000 | 293,197,000 | 297,338,000 | 302,504,000 |