Call reports 2016
DELAWARE COUNTY BANK AND TRUST COMPANY, THE — 2016
What DELAWARE COUNTY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 553,299,000 | 556,611,000 | 566,237,000 | 550,432,000 |
| Total loans | 391,622,000 | 396,553,000 | 391,506,000 | 388,318,000 |
| Allowance for loan losses | 4,335,000 | 4,590,000 | 4,592,000 | 4,345,000 |
| Securities available for sale | 85,953,000 | 83,865,000 | 95,673,000 | 90,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,481,000 | 468,753,000 | 491,034,000 | 478,190,000 |
| Interest-bearing deposits | 337,130,000 | 347,787,000 | 366,543,000 | 350,274,000 |
| Noninterest-bearing deposits | 126,351,000 | 120,966,000 | 124,491,000 | 127,916,000 |
| Equity capital | 58,028,000 | 58,701,000 | 58,229,000 | 56,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,428,000 | 9,070,000 | 13,743,000 | 18,560,000 |
| Interest expense | 369,000 | 762,000 | 1,188,000 | 1,611,000 |
| Net interest income | 4,059,000 | 8,308,000 | 12,555,000 | 16,949,000 |
| Noninterest income | 1,267,000 | 3,028,000 | 4,701,000 | 6,078,000 |
| Noninterest expense | 5,324,000 | 10,899,000 | 17,433,000 | 24,412,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 2,000 | 437,000 | -177,000 | -1,135,000 |
| Income tax | -101,000 | -36,000 | -226,000 | -569,000 |
| Net income | 103,000 | 473,000 | 49,000 | -566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,586,000 | 48,264,000 | 47,801,000 | 46,561,000 |
| Total capital | 51,921,000 | 52,854,000 | 52,393,000 | 50,907,000 |
| Risk-weighted assets | 377,557,000 | 385,737,000 | 389,923,000 | 381,549,000 |