Call reports 2017
DECORAH BANK AND TRUST COMPANY — 2017
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 421,524,000 | 426,543,000 | 429,840,000 | 439,438,000 |
| Total loans | 300,295,000 | 312,719,000 | 319,414,000 | 327,560,000 |
| Allowance for loan losses | 6,014,000 | 6,128,000 | 6,231,000 | 6,201,000 |
| Securities available for sale | 84,186,000 | 82,956,000 | 81,617,000 | 79,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,673,000 | 344,881,000 | 350,980,000 | 364,728,000 |
| Interest-bearing deposits | 288,868,000 | 286,020,000 | 288,661,000 | 296,199,000 |
| Noninterest-bearing deposits | 58,805,000 | 58,861,000 | 62,319,000 | 68,529,000 |
| Equity capital | 52,751,000 | 53,910,000 | 54,105,000 | 53,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,044,000 | 8,341,000 | 12,750,000 | 17,217,000 |
| Interest expense | 546,000 | 1,161,000 | 1,882,000 | 2,563,000 |
| Net interest income | 3,498,000 | 7,180,000 | 10,868,000 | 14,654,000 |
| Noninterest income | 889,000 | 1,884,000 | 2,881,000 | 3,758,000 |
| Noninterest expense | 2,749,000 | 5,526,000 | 8,178,000 | 11,040,000 |
| Provision for loan losses | 100,000 | 213,000 | 323,000 | 423,000 |
| Pretax income | 1,538,000 | 3,332,000 | 5,255,000 | 6,956,000 |
| Income tax | 76,000 | 176,000 | 276,000 | 338,000 |
| Net income | 1,462,000 | 3,156,000 | 4,979,000 | 6,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,336,000 | 46,715,000 | 47,105,000 | 47,778,000 |
| Total capital | 50,405,000 | 50,918,000 | 51,374,000 | 52,184,000 |
| Risk-weighted assets | 323,608,000 | 334,292,000 | 339,559,000 | 350,645,000 |