Call reports 2013
DECATUR COUNTY BANK — 2013
What DECATUR COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,311,000 | 89,337,000 | 90,337,000 | 86,760,000 |
| Total loans | 53,346,000 | 53,318,000 | 55,298,000 | 53,965,000 |
| Allowance for loan losses | 720,000 | 766,000 | 796,000 | 807,000 |
| Securities available for sale | 22,588,000 | 22,795,000 | 22,898,000 | 23,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,606,000 | 74,641,000 | 75,831,000 | 72,594,000 |
| Interest-bearing deposits | 62,210,000 | 62,573,000 | 63,739,000 | 60,763,000 |
| Noninterest-bearing deposits | 12,396,000 | 12,068,000 | 12,092,000 | 11,831,000 |
| Equity capital | 7,421,000 | 6,812,000 | 6,630,000 | 7,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,210,000 | 3,418,000 | 4,374,000 |
| Interest expense | 134,000 | 253,000 | 382,000 | 500,000 |
| Net interest income | 957,000 | 1,957,000 | 3,036,000 | 3,874,000 |
| Noninterest income | 194,000 | 351,000 | 481,000 | 638,000 |
| Noninterest expense | 831,000 | 1,667,000 | 2,516,000 | 3,344,000 |
| Provision for loan losses | 50,000 | 90,000 | 120,000 | 130,000 |
| Pretax income | 270,000 | 551,000 | 881,000 | 1,038,000 |
| Income tax | 9,000 | 21,000 | 28,000 | 63,000 |
| Net income | 261,000 | 530,000 | 853,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,493,000 | 7,716,000 | 7,994,000 | 8,116,000 |
| Total capital | 8,213,000 | 8,482,000 | 8,790,000 | 8,877,000 |
| Risk-weighted assets | 60,862,000 | 61,102,000 | 63,390,000 | 60,784,000 |
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