Call reports 2011
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2011
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 588,261,000 | 616,377,000 | 544,383,000 | 523,243,000 |
| Total loans | 408,597,000 | 395,383,000 | 380,701,000 | 359,760,000 |
| Allowance for loan losses | 10,370,000 | 11,355,000 | 10,195,000 | 9,584,000 |
| Securities available for sale | 67,045,000 | 70,864,000 | 84,701,000 | 88,113,000 |
| Securities held to maturity | 1,238,000 | 1,267,000 | 1,267,000 | 1,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,778,000 | 472,931,000 | 452,745,000 | 446,064,000 |
| Interest-bearing deposits | 422,935,000 | 404,486,000 | 382,694,000 | 375,863,000 |
| Noninterest-bearing deposits | 63,843,000 | 68,445,000 | 70,051,000 | 70,201,000 |
| Equity capital | 37,268,000 | 35,729,000 | 36,465,000 | 34,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,978,000 | 11,763,000 | 17,381,000 | 22,820,000 |
| Interest expense | 1,363,000 | 2,659,000 | 3,947,000 | 5,190,000 |
| Net interest income | 4,615,000 | 9,104,000 | 13,434,000 | 17,630,000 |
| Noninterest income | 1,393,000 | 2,753,000 | 3,913,000 | 4,649,000 |
| Noninterest expense | 5,259,000 | 10,969,000 | 15,800,000 | 20,771,000 |
| Provision for loan losses | 745,000 | 3,211,000 | 3,836,000 | 5,436,000 |
| Pretax income | -88,000 | -2,415,000 | -2,381,000 | -3,063,000 |
| Income tax | -24,000 | -292,000 | -531,000 | -13,000 |
| Net income | -64,000 | -2,123,000 | -1,850,000 | -3,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,981,000 | 35,922,000 | 36,193,000 | 34,993,000 |
| Total capital | 43,539,000 | 41,470,000 | 41,481,000 | 40,069,000 |
| Risk-weighted assets | 439,806,000 | 437,994,000 | 418,145,000 | 401,555,000 |