Call reports 2023
DECORAH BANK AND TRUST COMPANY — 2023
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 672,844,000 | 666,355,000 | 678,814,000 | 709,223,000 |
| Total loans | 506,747,000 | 510,136,000 | 525,877,000 | 542,625,000 |
| Allowance for loan losses | 8,472,000 | 8,459,000 | 8,489,000 | 8,549,000 |
| Securities available for sale | 96,358,000 | 87,104,000 | 86,239,000 | 99,330,000 |
| Securities held to maturity | 28,966,000 | 28,638,000 | 28,757,000 | 28,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,945,000 | 576,076,000 | 585,052,000 | 609,772,000 |
| Interest-bearing deposits | 469,645,000 | 470,698,000 | 484,898,000 | 503,487,000 |
| Noninterest-bearing deposits | 112,300,000 | 105,378,000 | 100,154,000 | 106,285,000 |
| Equity capital | 66,509,000 | 65,737,000 | 64,969,000 | 69,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,260,000 | 14,964,000 | 23,113,000 | 31,883,000 |
| Interest expense | 2,312,000 | 5,011,000 | 8,079,000 | 11,502,000 |
| Net interest income | 4,948,000 | 9,953,000 | 15,034,000 | 20,381,000 |
| Noninterest income | 1,252,000 | 2,492,000 | 3,971,000 | 5,307,000 |
| Noninterest expense | 4,814,000 | 9,350,000 | 14,194,000 | 18,719,000 |
| Provision for loan losses | 188,000 | 188,000 | 188,000 | 258,000 |
| Pretax income | 1,224,000 | 2,928,000 | 4,656,000 | 6,664,000 |
| Income tax | 65,000 | 125,000 | 200,000 | 334,000 |
| Net income | 1,159,000 | 2,803,000 | 4,456,000 | 6,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,556,000 | 74,063,000 | 74,770,000 | 75,512,000 |
| Total capital | 80,348,000 | 80,953,000 | 81,877,000 | 82,874,000 |
| Risk-weighted assets | 541,713,000 | 549,615,000 | 567,138,000 | 587,467,000 |