Call reports 2012
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2012
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 518,172,000 | 515,568,000 | 495,113,000 | 511,374,000 |
| Total loans | 334,559,000 | 322,777,000 | 322,237,000 | 317,504,000 |
| Allowance for loan losses | 9,343,000 | 9,148,000 | 8,151,000 | 6,881,000 |
| Securities available for sale | 88,838,000 | 95,051,000 | 87,613,000 | 87,197,000 |
| Securities held to maturity | 1,045,000 | 1,080,000 | 1,114,000 | 1,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,988,000 | 454,230,000 | 440,379,000 | 461,890,000 |
| Interest-bearing deposits | 367,965,000 | 364,152,000 | 341,056,000 | 352,463,000 |
| Noninterest-bearing deposits | 89,023,000 | 90,078,000 | 99,323,000 | 109,427,000 |
| Equity capital | 34,076,000 | 34,872,000 | 35,298,000 | 39,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,054,000 | 9,794,000 | 14,387,000 | 18,904,000 |
| Interest expense | 1,047,000 | 1,918,000 | 2,673,000 | 3,286,000 |
| Net interest income | 4,007,000 | 7,876,000 | 11,714,000 | 15,618,000 |
| Noninterest income | 1,158,000 | 2,334,000 | 3,381,000 | 8,358,000 |
| Noninterest expense | 4,791,000 | 9,426,000 | 14,218,000 | 19,386,000 |
| Provision for loan losses | 475,000 | 730,000 | 795,000 | 495,000 |
| Pretax income | 374,000 | 529,000 | 590,000 | 4,603,000 |
| Income tax | 189,000 | -29,000 | -145,000 | -69,000 |
| Net income | 185,000 | 558,000 | 735,000 | 4,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,178,000 | 35,552,000 | 35,729,000 | 39,665,000 |
| Total capital | 39,891,000 | 40,250,000 | 40,560,000 | 44,505,000 |
| Risk-weighted assets | 388,370,000 | 386,569,000 | 397,950,000 | 403,996,000 |