Call reports 2003
DECATUR COUNTY BANK — 2003
What DECATUR COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 74,932,000 | 77,246,000 | 77,765,000 | 78,706,000 |
| Total loans | 34,173,000 | 34,395,000 | 34,424,000 | 33,872,000 |
| Allowance for loan losses | 480,000 | 470,000 | 489,000 | 491,000 |
| Securities available for sale | 30,104,000 | 31,866,000 | 33,644,000 | 36,910,000 |
| Securities held to maturity | 596,000 | 396,000 | 396,000 | 396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,963,000 | 57,628,000 | 58,721,000 | 59,524,000 |
| Interest-bearing deposits | 49,137,000 | 50,911,000 | 51,581,000 | 52,128,000 |
| Noninterest-bearing deposits | 6,826,000 | 6,717,000 | 7,140,000 | 7,396,000 |
| Equity capital | 10,320,000 | 10,767,000 | 10,456,000 | 10,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,980,000 | 2,959,000 | 3,954,000 |
| Interest expense | 435,000 | 863,000 | 1,272,000 | 1,680,000 |
| Net interest income | 522,000 | 1,117,000 | 1,687,000 | 2,274,000 |
| Noninterest income | 104,000 | 344,000 | 440,000 | 552,000 |
| Noninterest expense | 507,000 | 1,064,000 | 1,606,000 | 2,119,000 |
| Provision for loan losses | 70,000 | 97,000 | 115,000 | 133,000 |
| Pretax income | 103,000 | 358,000 | 463,000 | 631,000 |
| Income tax | 6,000 | 17,000 | 26,000 | 120,000 |
| Net income | 97,000 | 341,000 | 437,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,839,000 | 9,982,000 | 10,027,000 | 10,100,000 |
| Total capital | 10,319,000 | 10,452,000 | 10,516,000 | 10,591,000 |
| Risk-weighted assets | 42,383,000 | 42,328,000 | 42,692,000 | 42,651,000 |