Call reports 2025
DECORAH BANK AND TRUST COMPANY — 2025
What DECORAH BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 729,817,000 | 741,254,000 | 750,487,000 | 770,875,000 |
| Total loans | 536,790,000 | 550,875,000 | 562,360,000 | 574,964,000 |
| Allowance for loan losses | 8,153,000 | 8,335,000 | 8,275,000 | 8,140,000 |
| Securities available for sale | 121,449,000 | 126,277,000 | 126,090,000 | 125,980,000 |
| Securities held to maturity | 29,019,000 | 28,613,000 | 28,769,000 | 27,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 630,882,000 | 638,493,000 | 640,964,000 | 666,664,000 |
| Interest-bearing deposits | 518,706,000 | 528,223,000 | 522,667,000 | 539,044,000 |
| Noninterest-bearing deposits | 112,176,000 | 110,270,000 | 118,297,000 | 127,620,000 |
| Equity capital | 74,513,000 | 74,912,000 | 77,787,000 | 79,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,466,000 | 19,565,000 | 29,760,000 | 40,293,000 |
| Interest expense | 3,462,000 | 6,861,000 | 10,267,000 | 13,657,000 |
| Net interest income | 6,004,000 | 12,704,000 | 19,493,000 | 26,636,000 |
| Noninterest income | 1,408,000 | 2,995,000 | 4,661,000 | 6,855,000 |
| Noninterest expense | 5,064,000 | 9,601,000 | 14,628,000 | 17,630,000 |
| Provision for loan losses | -176,000 | 10,000 | 1,374,000 | 1,703,000 |
| Pretax income | 2,357,000 | 5,945,000 | 7,924,000 | 13,676,000 |
| Income tax | 106,000 | 267,000 | 382,000 | 613,000 |
| Net income | 2,251,000 | 5,678,000 | 7,542,000 | 13,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,686,000 | 79,363,000 | 79,701,000 | 80,620,000 |
| Total capital | 85,925,000 | 86,770,000 | 87,260,000 | 88,335,000 |
| Risk-weighted assets | 577,761,000 | 591,185,000 | 603,568,000 | 616,261,000 |