Call reports 2004
DEWITT SAVINGS BANK — 2004
What DEWITT SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,854,000 | 75,752,000 | 74,676,000 | 75,186,000 |
| Total loans | 32,611,000 | 31,489,000 | 30,914,000 | 31,913,000 |
| Allowance for loan losses | 556,000 | 166,000 | 175,000 | 190,000 |
| Securities available for sale | 29,473,000 | 29,508,000 | 28,731,000 | 26,638,000 |
| Securities held to maturity | 875,000 | 875,000 | 875,000 | 2,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,376,000 | 65,623,000 | 63,435,000 | 64,300,000 |
| Interest-bearing deposits | 66,548,000 | 63,686,000 | 61,352,000 | 61,581,000 |
| Noninterest-bearing deposits | 1,828,000 | 1,937,000 | 2,083,000 | 2,719,000 |
| Equity capital | 6,881,000 | 6,667,000 | 7,047,000 | 7,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 1,892,000 | 2,818,000 | 3,738,000 |
| Interest expense | 334,000 | 644,000 | 927,000 | 1,212,000 |
| Net interest income | 651,000 | 1,248,000 | 1,891,000 | 2,526,000 |
| Noninterest income | 152,000 | 235,000 | 354,000 | 477,000 |
| Noninterest expense | 473,000 | 935,000 | 1,412,000 | 2,028,000 |
| Provision for loan losses | -13,000 | 10,000 | 51,000 | 81,000 |
| Pretax income | 343,000 | 538,000 | 782,000 | 894,000 |
| Income tax | 135,000 | 212,000 | 309,000 | 318,000 |
| Net income | 208,000 | 326,000 | 473,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,891,000 | 7,009,000 | 7,158,000 | 7,261,000 |
| Total capital | 7,360,000 | 7,175,000 | 7,333,000 | 7,451,000 |
| Risk-weighted assets | 37,459,000 | 35,619,000 | 34,792,000 | 36,387,000 |