Call reports 2013
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2013
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 504,638,000 | 505,860,000 | 508,432,000 | 503,082,000 |
| Total loans | 328,815,000 | 345,637,000 | 358,290,000 | 363,909,000 |
| Allowance for loan losses | 6,758,000 | 6,503,000 | 6,471,000 | 6,724,000 |
| Securities available for sale | 84,221,000 | 87,499,000 | 81,071,000 | 79,948,000 |
| Securities held to maturity | 1,184,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,047,000 | 447,607,000 | 452,302,000 | 450,656,000 |
| Interest-bearing deposits | 356,736,000 | 349,480,000 | 347,318,000 | 336,727,000 |
| Noninterest-bearing deposits | 91,311,000 | 98,127,000 | 104,984,000 | 113,929,000 |
| Equity capital | 47,358,000 | 48,062,000 | 47,311,000 | 44,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,154,000 | 8,405,000 | 12,730,000 | 17,107,000 |
| Interest expense | 538,000 | 1,037,000 | 1,468,000 | 1,841,000 |
| Net interest income | 3,616,000 | 7,368,000 | 11,262,000 | 15,266,000 |
| Noninterest income | 1,249,000 | 2,402,000 | 3,534,000 | 4,613,000 |
| Noninterest expense | 5,405,000 | 10,731,000 | 15,905,000 | 20,787,000 |
| Provision for loan losses | -650,000 | -890,000 | -890,000 | 2,417,000 |
| Pretax income | 110,000 | 64,000 | -84,000 | -3,190,000 |
| Income tax | -24,000 | -278,000 | -298,000 | -298,000 |
| Net income | 134,000 | 342,000 | 214,000 | -2,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,891,000 | 48,099,000 | 47,971,000 | 44,865,000 |
| Total capital | 52,651,000 | 52,605,000 | 52,560,000 | 49,473,000 |
| Risk-weighted assets | 390,619,000 | 362,950,000 | 365,597,000 | 366,520,000 |