Call reports 2016
DECORAH BANK AND TRUST COMPANY — 2016
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 400,749,000 | 403,554,000 | 403,080,000 | 413,054,000 |
| Total loans | 282,454,000 | 286,327,000 | 289,382,000 | 294,049,000 |
| Allowance for loan losses | 5,611,000 | 5,766,000 | 5,858,000 | 5,911,000 |
| Securities available for sale | 85,833,000 | 88,395,000 | 81,542,000 | 83,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,533,000 | 323,919,000 | 325,852,000 | 339,882,000 |
| Interest-bearing deposits | 268,590,000 | 266,196,000 | 268,816,000 | 272,549,000 |
| Noninterest-bearing deposits | 55,943,000 | 57,723,000 | 57,036,000 | 67,333,000 |
| Equity capital | 52,914,000 | 54,188,000 | 54,439,000 | 51,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,975,000 | 8,131,000 | 12,262,000 | 16,282,000 |
| Interest expense | 508,000 | 1,009,000 | 1,532,000 | 2,066,000 |
| Net interest income | 3,467,000 | 7,122,000 | 10,730,000 | 14,216,000 |
| Noninterest income | 850,000 | 1,893,000 | 2,952,000 | 3,970,000 |
| Noninterest expense | 2,530,000 | 5,158,000 | 7,817,000 | 10,420,000 |
| Provision for loan losses | 112,000 | 185,000 | 285,000 | 405,000 |
| Pretax income | 1,676,000 | 3,679,000 | 5,589,000 | 7,370,000 |
| Income tax | 85,000 | 194,000 | 294,000 | 335,000 |
| Net income | 1,591,000 | 3,485,000 | 5,295,000 | 7,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,729,000 | 45,326,000 | 45,853,000 | 46,030,000 |
| Total capital | 48,454,000 | 49,105,000 | 49,658,000 | 49,901,000 |
| Risk-weighted assets | 296,086,000 | 300,328,000 | 302,309,000 | 307,679,000 |