Call reports 2007
DECATUR COUNTY BANK — 2007
What DECATUR COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 88,738,000 | 88,301,000 | 87,803,000 | 85,803,000 |
| Total loans | 41,694,000 | 42,121,000 | 42,930,000 | 44,403,000 |
| Allowance for loan losses | 498,000 | 498,000 | 500,000 | 466,000 |
| Securities available for sale | 39,624,000 | 38,609,000 | 38,195,000 | 35,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,842,000 | 63,753,000 | 63,741,000 | 62,966,000 |
| Interest-bearing deposits | 53,145,000 | 54,194,000 | 54,191,000 | 54,296,000 |
| Noninterest-bearing deposits | 10,697,000 | 9,559,000 | 9,550,000 | 8,670,000 |
| Equity capital | 11,102,000 | 10,612,000 | 11,323,000 | 11,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,846,000 | 4,315,000 | 5,771,000 |
| Interest expense | 613,000 | 1,253,000 | 1,928,000 | 2,592,000 |
| Net interest income | 795,000 | 1,593,000 | 2,387,000 | 3,179,000 |
| Noninterest income | 141,000 | 273,000 | 419,000 | 605,000 |
| Noninterest expense | 650,000 | 1,301,000 | 1,925,000 | 2,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 534,000 | 851,000 | 1,062,000 |
| Income tax | 15,000 | 45,000 | 67,000 | 81,000 |
| Net income | 251,000 | 489,000 | 784,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,474,000 | 11,587,000 | 11,818,000 | 12,015,000 |
| Total capital | 11,972,000 | 12,085,000 | 12,318,000 | 12,481,000 |
| Risk-weighted assets | 51,005,000 | 51,304,000 | 51,688,000 | 52,662,000 |