Call reports 2018
DECORAH BANK AND TRUST COMPANY — 2018
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 443,143,000 | 448,965,000 | 446,916,000 | 472,093,000 |
| Total loans | 318,323,000 | 324,616,000 | 339,376,000 | 359,274,000 |
| Allowance for loan losses | 6,423,000 | 6,645,000 | 6,731,000 | 6,857,000 |
| Securities available for sale | 84,434,000 | 84,751,000 | 78,273,000 | 78,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,420,000 | 373,832,000 | 368,534,000 | 394,070,000 |
| Interest-bearing deposits | 308,471,000 | 306,422,000 | 305,936,000 | 324,174,000 |
| Noninterest-bearing deposits | 61,949,000 | 67,410,000 | 62,598,000 | 69,896,000 |
| Equity capital | 53,179,000 | 53,503,000 | 53,472,000 | 54,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,498,000 | 9,396,000 | 14,291,000 | 19,421,000 |
| Interest expense | 738,000 | 1,623,000 | 2,601,000 | 3,771,000 |
| Net interest income | 3,760,000 | 7,773,000 | 11,690,000 | 15,650,000 |
| Noninterest income | 953,000 | 2,036,000 | 3,123,000 | 4,156,000 |
| Noninterest expense | 2,767,000 | 5,740,000 | 8,608,000 | 11,562,000 |
| Provision for loan losses | 125,000 | 250,000 | 333,000 | 458,000 |
| Pretax income | 1,821,000 | 3,819,000 | 5,873,000 | 7,787,000 |
| Income tax | 86,000 | 192,000 | 288,000 | 383,000 |
| Net income | 1,735,000 | 3,627,000 | 5,585,000 | 7,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,261,000 | 48,770,000 | 49,270,000 | 49,702,000 |
| Total capital | 52,520,000 | 53,136,000 | 53,826,000 | 54,509,000 |
| Risk-weighted assets | 338,527,000 | 347,005,000 | 362,331,000 | 382,482,000 |