Call reports 2005
DECATUR COUNTY BANK — 2005
What DECATUR COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,286,000 | 84,789,000 | 85,225,000 | 81,006,000 |
| Total loans | 35,392,000 | 35,842,000 | 38,397,000 | 35,538,000 |
| Allowance for loan losses | 473,000 | 492,000 | 512,000 | 526,000 |
| Securities available for sale | 41,033,000 | 40,381,000 | 39,758,000 | 37,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,108,000 | 58,083,000 | 58,430,000 | 57,184,000 |
| Interest-bearing deposits | 49,410,000 | 49,829,000 | 49,337,000 | 48,763,000 |
| Noninterest-bearing deposits | 9,698,000 | 8,254,000 | 9,093,000 | 8,421,000 |
| Equity capital | 9,920,000 | 10,420,000 | 10,419,000 | 9,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,184,000 | 3,371,000 | 4,623,000 |
| Interest expense | 458,000 | 936,000 | 1,430,000 | 1,999,000 |
| Net interest income | 603,000 | 1,248,000 | 1,941,000 | 2,624,000 |
| Noninterest income | 117,000 | 229,000 | 363,000 | 472,000 |
| Noninterest expense | 562,000 | 1,143,000 | 1,729,000 | 2,357,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 129,000 | 291,000 | 526,000 | 672,000 |
| Income tax | 8,000 | 18,000 | 30,000 | 41,000 |
| Net income | 121,000 | 273,000 | 496,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,378,000 | 10,426,000 | 10,598,000 | 10,629,000 |
| Total capital | 10,851,000 | 10,918,000 | 11,110,000 | 11,155,000 |
| Risk-weighted assets | 45,545,000 | 44,621,000 | 47,252,000 | 44,468,000 |