Call reports 2021
DECORAH BANK AND TRUST COMPANY — 2021
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 582,806,000 | 588,272,000 | 599,551,000 | 617,574,000 |
| Total loans | 413,247,000 | 421,343,000 | 426,253,000 | 424,867,000 |
| Allowance for loan losses | 7,917,000 | 7,878,000 | 8,058,000 | 7,968,000 |
| Securities available for sale | 128,780,000 | 129,010,000 | 136,068,000 | 145,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,538,000 | 498,722,000 | 509,725,000 | 528,960,000 |
| Interest-bearing deposits | 391,498,000 | 396,015,000 | 398,586,000 | 410,117,000 |
| Noninterest-bearing deposits | 107,040,000 | 102,707,000 | 111,139,000 | 118,843,000 |
| Equity capital | 65,334,000 | 66,927,000 | 67,532,000 | 67,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,323,000 | 11,024,000 | 17,099,000 | 22,426,000 |
| Interest expense | 505,000 | 965,000 | 1,382,000 | 1,763,000 |
| Net interest income | 4,818,000 | 10,059,000 | 15,717,000 | 20,663,000 |
| Noninterest income | 1,836,000 | 2,960,000 | 4,447,000 | 6,522,000 |
| Noninterest expense | 3,651,000 | 7,522,000 | 11,311,000 | 15,335,000 |
| Provision for loan losses | 202,000 | 328,000 | 533,000 | 667,000 |
| Pretax income | 2,811,000 | 5,205,000 | 8,385,000 | 11,255,000 |
| Income tax | 113,000 | 220,000 | 320,000 | 484,000 |
| Net income | 2,698,000 | 4,985,000 | 8,065,000 | 10,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,837,000 | 58,749,000 | 59,529,000 | 60,171,000 |
| Total capital | 63,181,000 | 64,204,000 | 65,232,000 | 65,952,000 |
| Risk-weighted assets | 424,959,000 | 434,009,000 | 453,840,000 | 460,214,000 |