Call reports 2008
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2008
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 716,851,000 | 713,049,000 | 706,436,000 | 713,567,000 |
| Total loans | 518,480,000 | 517,550,000 | 516,471,000 | 514,408,000 |
| Allowance for loan losses | 7,775,000 | 7,684,000 | 8,902,000 | 6,137,000 |
| Securities available for sale | 99,735,000 | 111,099,000 | 103,528,000 | 111,289,000 |
| Securities held to maturity | 0 | 0 | 8,002,000 | 8,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,949,000 | 550,382,000 | 556,293,000 | 567,653,000 |
| Interest-bearing deposits | 511,601,000 | 498,523,000 | 503,252,000 | 516,247,000 |
| Noninterest-bearing deposits | 51,348,000 | 51,859,000 | 53,041,000 | 51,406,000 |
| Equity capital | 42,549,000 | 55,398,000 | 55,440,000 | 54,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,139,000 | 19,926,000 | 29,452,000 | 38,403,000 |
| Interest expense | 4,791,000 | 9,045,000 | 13,014,000 | 16,932,000 |
| Net interest income | 5,348,000 | 10,881,000 | 16,438,000 | 21,471,000 |
| Noninterest income | 1,535,000 | 2,846,000 | 3,408,000 | 4,481,000 |
| Noninterest expense | 4,483,000 | 9,116,000 | 13,913,000 | 19,301,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 4,000,000 | 8,177,000 |
| Pretax income | 1,800,000 | 3,411,000 | 1,933,000 | -1,526,000 |
| Income tax | 499,000 | 906,000 | -748,000 | -2,241,000 |
| Net income | 1,301,000 | 2,505,000 | 2,681,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,122,000 | 56,325,000 | 55,801,000 | 53,240,000 |
| Total capital | 61,593,000 | 62,782,000 | 62,254,000 | 59,377,000 |
| Risk-weighted assets | 525,207,000 | 525,990,000 | 525,821,000 | 548,867,000 |
Machine access — free, no API key
Every figure shown here about DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2008 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.