Call reports 2005
DEWITT SAVINGS BANK — 2005
What DEWITT SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,635,000 | 76,976,000 | 74,777,000 | 73,634,000 |
| Total loans | 31,273,000 | 32,629,000 | 34,140,000 | 34,366,000 |
| Allowance for loan losses | 159,000 | 190,000 | 237,000 | 294,000 |
| Securities available for sale | 26,591,000 | 25,987,000 | 23,273,000 | 22,435,000 |
| Securities held to maturity | 2,732,000 | 3,147,000 | 3,662,000 | 3,161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,752,000 | 65,643,000 | 62,378,000 | 62,533,000 |
| Interest-bearing deposits | 63,100,000 | 62,916,000 | 59,182,000 | 59,779,000 |
| Noninterest-bearing deposits | 2,652,000 | 2,727,000 | 3,196,000 | 2,754,000 |
| Equity capital | 7,128,000 | 7,331,000 | 7,357,000 | 7,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,843,000 | 2,827,000 | 3,781,000 |
| Interest expense | 286,000 | 594,000 | 921,000 | 1,289,000 |
| Net interest income | 622,000 | 1,249,000 | 1,906,000 | 2,492,000 |
| Noninterest income | 93,000 | 204,000 | 325,000 | 443,000 |
| Noninterest expense | 528,000 | 1,035,000 | 1,558,000 | 2,045,000 |
| Provision for loan losses | -12,000 | 30,000 | 104,000 | 208,000 |
| Pretax income | 199,000 | 388,000 | 569,000 | 682,000 |
| Income tax | 68,000 | 135,000 | 192,000 | 205,000 |
| Net income | 131,000 | 253,000 | 377,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,392,000 | 7,514,000 | 7,639,000 | 7,739,000 |
| Total capital | 7,551,000 | 7,704,000 | 7,876,000 | 8,033,000 |
| Risk-weighted assets | 37,169,000 | 37,760,000 | 38,678,000 | 37,769,000 |