Call reports 2007
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2007
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 687,322,000 | 678,219,000 | 678,744,000 | 677,661,000 |
| Total loans | 548,229,000 | 537,074,000 | 528,359,000 | 520,800,000 |
| Allowance for loan losses | 5,344,000 | 5,324,000 | 6,038,000 | 8,298,000 |
| Securities available for sale | 87,957,000 | 88,557,000 | 89,679,000 | 88,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,505,000 | 520,109,000 | 515,884,000 | 510,140,000 |
| Interest-bearing deposits | 476,077,000 | 466,741,000 | 463,352,000 | 456,992,000 |
| Noninterest-bearing deposits | 60,428,000 | 53,368,000 | 52,532,000 | 53,148,000 |
| Equity capital | 41,466,000 | 38,265,000 | 38,998,000 | 40,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,218,000 | 22,412,000 | 33,370,000 | 43,626,000 |
| Interest expense | 5,915,000 | 11,825,000 | 17,570,000 | 22,959,000 |
| Net interest income | 5,303,000 | 10,587,000 | 15,800,000 | 20,667,000 |
| Noninterest income | 1,439,000 | 2,823,000 | 3,992,000 | 5,345,000 |
| Noninterest expense | 4,012,000 | 8,159,000 | 12,194,000 | 16,485,000 |
| Provision for loan losses | 615,000 | 1,684,000 | 2,784,000 | 10,159,000 |
| Pretax income | 2,115,000 | 3,567,000 | 4,814,000 | -632,000 |
| Income tax | 641,000 | 761,000 | 1,193,000 | -930,000 |
| Net income | 1,474,000 | 2,806,000 | 3,621,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,728,000 | 38,976,000 | 39,225,000 | 40,753,000 |
| Total capital | 62,072,000 | 62,800,000 | 63,763,000 | 60,229,000 |
| Risk-weighted assets | 530,221,000 | 517,092,000 | 517,749,000 | 516,351,000 |