Call reports 2015
DECORAH BANK AND TRUST COMPANY — 2015
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 403,516,000 | 393,584,000 | 393,739,000 | 407,047,000 |
| Total loans | 269,272,000 | 281,028,000 | 283,744,000 | 286,147,000 |
| Allowance for loan losses | 4,947,000 | 5,194,000 | 5,321,000 | 5,482,000 |
| Securities available for sale | 96,166,000 | 86,117,000 | 81,842,000 | 82,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,948,000 | 313,645,000 | 314,901,000 | 329,608,000 |
| Interest-bearing deposits | 271,573,000 | 262,942,000 | 261,666,000 | 269,292,000 |
| Noninterest-bearing deposits | 52,375,000 | 50,703,000 | 53,235,000 | 60,316,000 |
| Equity capital | 51,489,000 | 51,060,000 | 52,088,000 | 51,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,983,000 | 8,085,000 | 12,177,000 | 16,233,000 |
| Interest expense | 549,000 | 1,098,000 | 1,638,000 | 2,161,000 |
| Net interest income | 3,434,000 | 6,987,000 | 10,539,000 | 14,072,000 |
| Noninterest income | 885,000 | 1,889,000 | 2,802,000 | 3,747,000 |
| Noninterest expense | 2,544,000 | 4,851,000 | 7,309,000 | 9,934,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 500,000 |
| Pretax income | 1,650,000 | 3,786,000 | 5,673,000 | 7,401,000 |
| Income tax | 78,000 | 206,000 | 298,000 | 399,000 |
| Net income | 1,572,000 | 3,580,000 | 5,375,000 | 7,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,717,000 | 43,621,000 | 44,174,000 | 44,293,000 |
| Total capital | 46,298,000 | 47,310,000 | 47,910,000 | 48,074,000 |
| Risk-weighted assets | 285,172,000 | 293,622,000 | 297,266,000 | 300,809,000 |