Call reports 2001
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2001
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 500,382,000 | 515,213,000 | 508,665,000 | 517,335,000 |
| Total loans | 333,935,000 | 338,641,000 | 351,801,000 | 365,144,000 |
| Allowance for loan losses | 3,415,000 | 3,497,000 | 3,513,000 | 3,596,000 |
| Securities available for sale | 88,147,000 | 89,835,000 | 84,769,000 | 81,910,000 |
| Securities held to maturity | 31,760,000 | 33,495,000 | 34,742,000 | 34,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,716,000 | 432,074,000 | 424,411,000 | 431,204,000 |
| Interest-bearing deposits | 364,237,000 | 365,256,000 | 361,525,000 | 365,642,000 |
| Noninterest-bearing deposits | 60,479,000 | 66,819,000 | 62,886,000 | 65,562,000 |
| Equity capital | 42,796,000 | 44,374,000 | 45,409,000 | 45,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 9,470,000 | 18,586,000 | 27,282,000 | 35,728,000 |
| Interest expense | 4,898,000 | 9,244,000 | 13,261,000 | 16,391,000 |
| Net interest income | 4,572,000 | 9,342,000 | 14,021,000 | 19,337,000 |
| Noninterest income | 1,358,000 | 2,922,000 | 4,364,000 | 5,603,000 |
| Noninterest expense | 3,694,000 | 7,652,000 | 11,988,000 | 17,329,000 |
| Provision for loan losses | 130,000 | 330,000 | 572,000 | 872,000 |
| Pretax income | 2,106,000 | 4,282,000 | 5,825,000 | 6,739,000 |
| Income tax | 694,000 | 1,392,000 | 1,984,000 | 2,251,000 |
| Net income | 1,412,000 | 2,890,000 | 3,841,000 | 4,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,445,000 | 43,631,000 | 44,249,000 | 44,534,000 |
| Total capital | 45,865,000 | 47,133,000 | 47,773,000 | 48,134,000 |
| Risk-weighted assets | 402,010,000 | 362,998,000 | 371,949,000 | 381,297,000 |