Call reports 2024
DECORAH BANK AND TRUST COMPANY — 2024
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 699,576,000 | 713,777,000 | 702,264,000 | 709,474,000 |
| Total loans | 531,407,000 | 537,747,000 | 528,450,000 | 541,552,000 |
| Allowance for loan losses | 8,419,000 | 8,492,000 | 8,363,000 | 8,370,000 |
| Securities available for sale | 98,413,000 | 103,305,000 | 108,641,000 | 104,412,000 |
| Securities held to maturity | 29,074,000 | 28,552,000 | 28,707,000 | 28,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,821,000 | 621,235,000 | 606,542,000 | 607,752,000 |
| Interest-bearing deposits | 507,637,000 | 516,604,000 | 503,338,000 | 496,526,000 |
| Noninterest-bearing deposits | 99,184,000 | 104,631,000 | 103,204,000 | 111,226,000 |
| Equity capital | 69,690,000 | 70,661,000 | 74,109,000 | 72,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,736,000 | 17,906,000 | 27,539,000 | 37,173,000 |
| Interest expense | 3,593,000 | 7,247,000 | 10,940,000 | 14,462,000 |
| Net interest income | 5,143,000 | 10,659,000 | 16,599,000 | 22,711,000 |
| Noninterest income | 1,212,000 | 2,530,000 | 4,026,000 | 5,764,000 |
| Noninterest expense | 4,911,000 | 9,263,000 | 14,100,000 | 18,585,000 |
| Provision for loan losses | 26,000 | 181,000 | 100,000 | 255,000 |
| Pretax income | 1,425,000 | 3,735,000 | 6,429,000 | 9,740,000 |
| Income tax | 56,000 | 150,000 | 267,000 | 417,000 |
| Net income | 1,369,000 | 3,585,000 | 6,162,000 | 9,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,934,000 | 76,548,000 | 77,198,000 | 78,368,000 |
| Total capital | 83,146,000 | 83,845,000 | 84,335,000 | 85,615,000 |
| Risk-weighted assets | 575,438,000 | 582,232,000 | 569,392,000 | 578,354,000 |