Call reports 2014
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2014
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 495,086,000 | 501,005,000 | 501,377,000 | 516,119,000 |
| Total loans | 354,459,000 | 357,667,000 | 369,641,000 | 385,444,000 |
| Allowance for loan losses | 5,345,000 | 4,568,000 | 4,176,000 | 4,236,000 |
| Securities available for sale | 78,454,000 | 80,690,000 | 74,683,000 | 75,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,076,000 | 437,383,000 | 446,943,000 | 454,598,000 |
| Interest-bearing deposits | 335,226,000 | 327,583,000 | 340,620,000 | 342,174,000 |
| Noninterest-bearing deposits | 105,850,000 | 109,800,000 | 106,323,000 | 112,423,000 |
| Equity capital | 45,213,000 | 45,632,000 | 45,502,000 | 46,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,309,000 | 8,576,000 | 12,845,000 | 17,390,000 |
| Interest expense | 318,000 | 618,000 | 916,000 | 1,215,000 |
| Net interest income | 3,991,000 | 7,958,000 | 11,929,000 | 16,175,000 |
| Noninterest income | 1,287,000 | 2,256,000 | 3,126,000 | 4,220,000 |
| Noninterest expense | 5,033,000 | 9,930,000 | 14,965,000 | 19,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 105,000 | 144,000 | 191,000 | 353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 144,000 | 191,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,970,000 | 45,008,000 | 45,058,000 | 45,366,000 |
| Total capital | 49,381,000 | 49,416,000 | 49,234,000 | 49,602,000 |
| Risk-weighted assets | 351,901,000 | 352,447,000 | 362,896,000 | 365,741,000 |
Machine access — free, no API key
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