Call reports 2020
DECORAH BANK AND TRUST COMPANY — 2020
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 496,234,000 | 551,103,000 | 555,697,000 | 576,051,000 |
| Total loans | 360,949,000 | 392,399,000 | 406,249,000 | 405,955,000 |
| Allowance for loan losses | 7,105,000 | 7,502,000 | 7,508,000 | 7,709,000 |
| Securities available for sale | 96,205,000 | 111,969,000 | 118,536,000 | 125,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,472,000 | 461,687,000 | 466,737,000 | 482,221,000 |
| Interest-bearing deposits | 344,118,000 | 368,452,000 | 369,354,000 | 379,505,000 |
| Noninterest-bearing deposits | 73,354,000 | 93,235,000 | 97,383,000 | 102,716,000 |
| Equity capital | 61,423,000 | 63,962,000 | 65,405,000 | 66,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,219,000 | 10,582,000 | 15,979,000 | 21,757,000 |
| Interest expense | 1,013,000 | 1,791,000 | 2,464,000 | 3,074,000 |
| Net interest income | 4,206,000 | 8,791,000 | 13,515,000 | 18,683,000 |
| Noninterest income | 1,250,000 | 3,275,000 | 5,080,000 | 7,298,000 |
| Noninterest expense | 3,393,000 | 6,859,000 | 10,257,000 | 13,996,000 |
| Provision for loan losses | 388,000 | 875,000 | 1,363,000 | 1,650,000 |
| Pretax income | 1,672,000 | 4,325,000 | 6,969,000 | 10,329,000 |
| Income tax | 61,000 | 166,000 | 301,000 | 467,000 |
| Net income | 1,611,000 | 4,159,000 | 6,668,000 | 9,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,133,000 | 54,808,000 | 56,164,000 | 56,980,000 |
| Total capital | — | 59,795,000 | 61,354,000 | 62,325,000 |
| Risk-weighted assets | — | 396,476,000 | 412,881,000 | 425,249,000 |