Call reports 2022
DECORAH BANK AND TRUST COMPANY — 2022
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 603,781,000 | 614,096,000 | 631,055,000 | 672,645,000 |
| Total loans | 432,630,000 | 464,904,000 | 484,738,000 | 510,133,000 |
| Allowance for loan losses | 7,969,000 | 7,999,000 | 8,000,000 | 8,267,000 |
| Securities available for sale | 134,121,000 | 85,440,000 | 81,560,000 | 81,593,000 |
| Securities held to maturity | 0 | 28,662,000 | 28,764,000 | 28,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,170,000 | 534,849,000 | 552,777,000 | 579,851,000 |
| Interest-bearing deposits | 411,639,000 | 414,264,000 | 430,154,000 | 460,155,000 |
| Noninterest-bearing deposits | 112,531,000 | 120,585,000 | 122,623,000 | 119,696,000 |
| Equity capital | 59,311,000 | 54,254,000 | 52,428,000 | 64,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,248,000 | 10,956,000 | 16,997,000 | 23,771,000 |
| Interest expense | 395,000 | 888,000 | 1,692,000 | 3,426,000 |
| Net interest income | 4,853,000 | 10,068,000 | 15,305,000 | 20,345,000 |
| Noninterest income | 1,256,000 | 2,611,000 | 3,843,000 | 5,326,000 |
| Noninterest expense | 4,053,000 | 8,611,000 | 13,153,000 | 17,476,000 |
| Provision for loan losses | 0 | 0 | 0 | 253,000 |
| Pretax income | 2,060,000 | 4,046,000 | 5,974,000 | 7,926,000 |
| Income tax | 113,000 | 276,000 | 382,000 | 443,000 |
| Net income | 1,947,000 | 3,770,000 | 5,592,000 | 7,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,668,000 | 61,168,000 | 61,881,000 | 73,117,000 |
| Total capital | 66,528,000 | 67,400,000 | 68,358,000 | 79,957,000 |
| Risk-weighted assets | 466,633,000 | 496,807,000 | 516,666,000 | 545,783,000 |