Call reports 2004
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2004
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 545,887,000 | 574,997,000 | 597,990,000 | 611,270,000 |
| Total loans | 416,082,000 | 439,389,000 | 461,589,000 | 484,426,000 |
| Allowance for loan losses | 4,411,000 | 4,575,000 | 4,649,000 | 4,818,000 |
| Securities available for sale | 95,498,000 | 95,935,000 | 95,683,000 | 96,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,518,000 | 437,713,000 | 458,711,000 | 454,641,000 |
| Interest-bearing deposits | 359,492,000 | 358,454,000 | 390,651,000 | 389,426,000 |
| Noninterest-bearing deposits | 76,026,000 | 79,259,000 | 68,060,000 | 65,216,000 |
| Equity capital | 37,814,000 | 36,647,000 | 38,018,000 | 35,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,695,000 | 13,080,000 | 20,151,000 | 27,808,000 |
| Interest expense | 1,921,000 | 3,870,000 | 5,971,000 | 8,382,000 |
| Net interest income | 4,774,000 | 9,210,000 | 14,180,000 | 19,426,000 |
| Noninterest income | 1,143,000 | 2,379,000 | 3,686,000 | 4,937,000 |
| Noninterest expense | 3,816,000 | 7,906,000 | 11,730,000 | 15,731,000 |
| Provision for loan losses | 378,000 | 821,000 | 1,318,000 | 1,696,000 |
| Pretax income | 1,720,000 | 2,859,000 | 4,815,000 | 6,933,000 |
| Income tax | 552,000 | 887,000 | 1,496,000 | 2,177,000 |
| Net income | 1,168,000 | 1,972,000 | 3,319,000 | 4,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,851,000 | 36,860,000 | 37,507,000 | 35,745,000 |
| Total capital | 54,262,000 | 54,435,000 | 55,156,000 | 55,563,000 |
| Risk-weighted assets | 469,765,000 | 474,464,000 | 493,748,000 | 509,090,000 |