Call reports 2003
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2003
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 512,208,000 | 525,808,000 | 544,148,000 | 551,180,000 |
| Total loans | 377,761,000 | 391,644,000 | 395,304,000 | 404,947,000 |
| Allowance for loan losses | 4,226,000 | 4,302,000 | 4,255,000 | 4,331,000 |
| Securities available for sale | 88,791,000 | 88,219,000 | 87,955,000 | 106,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,911,000 | 442,604,000 | 445,135,000 | 442,921,000 |
| Interest-bearing deposits | 364,786,000 | 359,247,000 | 370,960,000 | 363,875,000 |
| Noninterest-bearing deposits | 72,125,000 | 83,357,000 | 74,175,000 | 79,046,000 |
| Equity capital | 39,895,000 | 39,504,000 | 39,375,000 | 36,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,963,000 | 13,796,000 | 20,007,000 | 26,732,000 |
| Interest expense | 2,175,000 | 4,148,000 | 6,275,000 | 8,269,000 |
| Net interest income | 4,788,000 | 9,648,000 | 13,732,000 | 18,463,000 |
| Noninterest income | 1,632,000 | 3,459,000 | 5,313,000 | 7,073,000 |
| Noninterest expense | 4,036,000 | 8,284,000 | 12,467,000 | 16,797,000 |
| Provision for loan losses | 333,000 | 688,000 | 1,063,000 | 1,418,000 |
| Pretax income | 2,051,000 | 4,135,000 | 5,561,000 | 7,372,000 |
| Income tax | 667,000 | 1,235,000 | 1,704,000 | 2,287,000 |
| Net income | 1,384,000 | 2,900,000 | 3,857,000 | 5,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,341,000 | 38,042,000 | 38,552,000 | 36,228,000 |
| Total capital | 52,572,000 | 52,352,000 | 52,815,000 | 53,559,000 |
| Risk-weighted assets | 415,876,000 | 432,556,000 | 441,753,000 | 460,990,000 |