Call reports 2005
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2005
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 636,086,000 | 663,644,000 | 675,806,000 | 690,186,000 |
| Total loans | 509,271,000 | 527,832,000 | 546,430,000 | 554,685,000 |
| Allowance for loan losses | 5,115,000 | 5,370,000 | 5,648,000 | 5,535,000 |
| Securities available for sale | 94,363,000 | 96,104,000 | 95,440,000 | 96,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,583,000 | 508,586,000 | 507,439,000 | 503,947,000 |
| Interest-bearing deposits | 402,092,000 | 443,328,000 | 442,162,000 | 434,929,000 |
| Noninterest-bearing deposits | 65,491,000 | 65,258,000 | 65,276,000 | 69,018,000 |
| Equity capital | 36,373,000 | 37,601,000 | 38,513,000 | 39,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,161,000 | 16,955,000 | 26,512,000 | 36,562,000 |
| Interest expense | 2,843,000 | 6,172,000 | 10,025,000 | 14,399,000 |
| Net interest income | 5,318,000 | 10,783,000 | 16,487,000 | 22,163,000 |
| Noninterest income | 1,185,000 | 2,555,000 | 3,893,000 | 5,325,000 |
| Noninterest expense | 3,957,000 | 7,843,000 | 11,646,000 | 15,500,000 |
| Provision for loan losses | 470,000 | 990,000 | 1,535,000 | 2,000,000 |
| Pretax income | 2,076,000 | 4,505,000 | 7,199,000 | 9,988,000 |
| Income tax | 707,000 | 1,494,000 | 2,370,000 | 3,249,000 |
| Net income | 1,369,000 | 3,011,000 | 4,829,000 | 6,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,615,000 | 37,709,000 | 38,784,000 | 39,887,000 |
| Total capital | 56,730,000 | 58,079,000 | 59,432,000 | 60,422,000 |
| Risk-weighted assets | 532,177,000 | 542,945,000 | 566,184,000 | 540,457,000 |
Machine access — free, no API key
Every figure shown here about DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.