Call reports 2003
DEWITT SAVINGS BANK — 2003
What DEWITT SAVINGS 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 | 83,774,000 | 84,005,000 | 83,235,000 | 77,076,000 |
| Total loans | 32,660,000 | 32,967,000 | 34,603,000 | 33,996,000 |
| Allowance for loan losses | 537,000 | 541,000 | 590,000 | 574,000 |
| Securities available for sale | 32,421,000 | 34,128,000 | 28,165,000 | 28,120,000 |
| Securities held to maturity | 877,000 | 876,000 | 876,000 | 876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,476,000 | 70,436,000 | 67,335,000 | 65,067,000 |
| Interest-bearing deposits | 70,261,000 | 66,690,000 | 63,978,000 | 63,493,000 |
| Noninterest-bearing deposits | 215,000 | 3,746,000 | 3,357,000 | 1,574,000 |
| Equity capital | 6,275,000 | 6,472,000 | 6,430,000 | 6,614,000 |
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 | 1,076,000 | 2,162,000 | 3,221,000 | 4,236,000 |
| Interest expense | 525,000 | 1,007,000 | 1,435,000 | 1,805,000 |
| Net interest income | 551,000 | 1,155,000 | 1,786,000 | 2,431,000 |
| Noninterest income | 206,000 | 463,000 | 561,000 | 673,000 |
| Noninterest expense | 524,000 | 1,041,000 | 1,529,000 | 2,042,000 |
| Provision for loan losses | -7,000 | 2,000 | 57,000 | 68,000 |
| Pretax income | 240,000 | 575,000 | 761,000 | 994,000 |
| Income tax | 94,000 | 226,000 | 299,000 | 354,000 |
| Net income | 146,000 | 349,000 | 462,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,187,000 | 6,389,000 | 6,505,000 | 6,683,000 |
| Total capital | 6,678,000 | 6,869,000 | 6,987,000 | 7,143,000 |
| Risk-weighted assets | 39,223,000 | 38,297,000 | 38,447,000 | 36,649,000 |