Call reports 2015
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2015
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 521,535,000 | 542,280,000 | 542,618,000 | 541,665,000 |
| Total loans | 377,245,000 | 382,165,000 | 380,290,000 | 378,513,000 |
| Allowance for loan losses | 4,089,000 | 4,164,000 | 4,206,000 | 4,333,000 |
| Securities available for sale | 85,844,000 | 78,976,000 | 82,018,000 | 87,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,057,000 | 471,806,000 | 476,159,000 | 475,814,000 |
| Interest-bearing deposits | 353,518,000 | 352,449,000 | 351,049,000 | 350,519,000 |
| Noninterest-bearing deposits | 112,538,000 | 119,356,000 | 125,110,000 | 125,295,000 |
| Equity capital | 46,467,000 | 46,274,000 | 57,476,000 | 57,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,467,000 | 8,924,000 | 13,397,000 | 17,896,000 |
| Interest expense | 285,000 | 579,000 | 870,000 | 1,166,000 |
| Net interest income | 4,182,000 | 8,345,000 | 12,527,000 | 16,730,000 |
| Noninterest income | 1,140,000 | 2,281,000 | 3,566,000 | 4,712,000 |
| Noninterest expense | 4,921,000 | 10,063,000 | 15,256,000 | 20,240,000 |
| Provision for loan losses | 150,000 | 150,000 | 0 | 0 |
| Pretax income | 251,000 | 413,000 | 837,000 | 1,202,000 |
| Income tax | 0 | 0 | -10,664,000 | -10,617,000 |
| Net income | 251,000 | 413,000 | 11,501,000 | 11,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,619,000 | 45,780,000 | 48,089,000 | 48,167,000 |
| Total capital | 49,708,000 | 49,944,000 | 52,295,000 | 52,500,000 |
| Risk-weighted assets | 359,422,000 | 360,998,000 | 367,427,000 | 367,467,000 |
Machine access — free, no API key
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