Call reports 2019
DECORAH BANK AND TRUST COMPANY — 2019
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 481,247,000 | 477,381,000 | 488,788,000 | 483,685,000 |
| Total loans | 364,253,000 | 357,454,000 | 358,828,000 | 352,840,000 |
| Allowance for loan losses | 6,982,000 | 6,896,000 | 7,051,000 | 6,717,000 |
| Securities available for sale | 83,485,000 | 88,897,000 | 91,096,000 | 91,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,218,000 | 396,339,000 | 403,580,000 | 407,248,000 |
| Interest-bearing deposits | 339,146,000 | 331,140,000 | 335,975,000 | 335,051,000 |
| Noninterest-bearing deposits | 62,072,000 | 65,199,000 | 67,605,000 | 72,197,000 |
| Equity capital | 56,211,000 | 57,713,000 | 59,021,000 | 59,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,323,000 | 10,780,000 | 16,345,000 | 21,789,000 |
| Interest expense | 1,304,000 | 2,645,000 | 3,927,000 | 5,143,000 |
| Net interest income | 4,019,000 | 8,135,000 | 12,418,000 | 16,646,000 |
| Noninterest income | 1,007,000 | 2,093,000 | 3,306,000 | 4,649,000 |
| Noninterest expense | 2,913,000 | 5,941,000 | 8,875,000 | 12,020,000 |
| Provision for loan losses | 125,000 | 270,000 | 425,000 | 630,000 |
| Pretax income | 1,989,000 | 4,018,000 | 6,420,000 | 8,647,000 |
| Income tax | 69,000 | 156,000 | 249,000 | 303,000 |
| Net income | 1,920,000 | 3,862,000 | 6,171,000 | 8,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,251,000 | 50,820,000 | 51,636,000 | 52,675,000 |
| Total capital | 55,148,000 | 55,643,000 | 56,467,000 | 57,500,000 |
| Risk-weighted assets | 389,652,000 | 383,752,000 | 384,264,000 | 384,134,000 |