Call reports 2002
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2002
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 520,321,000 | 527,008,000 | 532,489,000 | 520,851,000 |
| Total loans | 365,713,000 | 373,614,000 | 380,169,000 | 377,090,000 |
| Allowance for loan losses | 3,743,000 | 3,793,000 | 3,330,000 | 4,095,000 |
| Securities available for sale | 85,801,000 | 85,742,000 | 106,490,000 | 94,209,000 |
| Securities held to maturity | 29,922,000 | 28,030,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,051,000 | 436,656,000 | 436,223,000 | 439,083,000 |
| Interest-bearing deposits | 369,325,000 | 365,576,000 | 363,076,000 | 365,581,000 |
| Noninterest-bearing deposits | 65,726,000 | 71,080,000 | 73,147,000 | 73,502,000 |
| Equity capital | 45,923,000 | 47,375,000 | 48,892,000 | 38,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,878,000 | 15,667,000 | 23,372,000 | 30,685,000 |
| Interest expense | 2,653,000 | 5,200,000 | 7,749,000 | 10,136,000 |
| Net interest income | 5,225,000 | 10,467,000 | 15,623,000 | 20,549,000 |
| Noninterest income | 1,613,000 | 3,274,000 | 4,962,000 | 6,860,000 |
| Noninterest expense | 4,379,000 | 8,922,000 | 13,626,000 | 18,233,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,700,000 | 2,950,000 |
| Pretax income | 2,174,000 | 4,034,000 | 5,285,000 | 6,252,000 |
| Income tax | 716,000 | 1,334,000 | 1,717,000 | 2,036,000 |
| Net income | 1,458,000 | 2,700,000 | 3,568,000 | 4,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,656,000 | 46,565,000 | 47,059,000 | 37,332,000 |
| Total capital | 49,404,000 | 50,358,000 | 50,395,000 | 51,427,000 |
| Risk-weighted assets | 383,082,000 | 390,491,000 | 397,321,000 | 423,514,000 |
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