Call reports 2015
DECATUR COUNTY BANK — 2015
What DECATUR COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,013,000 | 88,444,000 | 88,802,000 | 90,587,000 |
| Total loans | 50,955,000 | 50,865,000 | 50,446,000 | 50,606,000 |
| Allowance for loan losses | 755,000 | 780,000 | 719,000 | 718,000 |
| Securities available for sale | 24,890,000 | 27,354,000 | 28,302,000 | 29,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,976,000 | 74,866,000 | 74,806,000 | 75,268,000 |
| Interest-bearing deposits | 58,284,000 | 60,472,000 | 60,536,000 | 61,789,000 |
| Noninterest-bearing deposits | 14,692,000 | 14,394,000 | 14,270,000 | 13,479,000 |
| Equity capital | 7,055,000 | 6,508,000 | 7,121,000 | 7,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,126,000 | 3,188,000 | 4,263,000 |
| Interest expense | 93,000 | 184,000 | 279,000 | 375,000 |
| Net interest income | 989,000 | 1,942,000 | 2,909,000 | 3,888,000 |
| Noninterest income | 137,000 | 263,000 | 399,000 | 528,000 |
| Noninterest expense | 827,000 | 1,691,000 | 2,564,000 | 3,484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 301,000 | 511,000 | 758,000 | 950,000 |
| Income tax | 13,000 | 22,000 | 30,000 | 43,000 |
| Net income | 288,000 | 489,000 | 728,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,133,000 | 7,153,000 | 7,337,000 | 7,425,000 |
| Total capital | 7,867,000 | 7,893,000 | 8,056,000 | 8,143,000 |
| Risk-weighted assets | 58,693,000 | 59,024,000 | 59,505,000 | 60,273,000 |