Call reports 2006
DEWITT SAVINGS BANK — 2006
What DEWITT SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 74,597,000 | 74,269,000 | 73,637,000 | 72,519,000 |
| Total loans | 34,738,000 | 34,895,000 | 35,173,000 | 36,155,000 |
| Allowance for loan losses | 254,000 | 269,000 | 241,000 | 293,000 |
| Securities available for sale | 21,545,000 | 23,693,000 | 22,354,000 | 21,155,000 |
| Securities held to maturity | 3,160,000 | 3,706,000 | 3,704,000 | 3,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,281,000 | 63,018,000 | 63,926,000 | 62,930,000 |
| Interest-bearing deposits | 60,535,000 | 60,644,000 | 61,444,000 | 59,848,000 |
| Noninterest-bearing deposits | 2,746,000 | 2,374,000 | 2,482,000 | 3,082,000 |
| Equity capital | 7,539,000 | 7,551,000 | 7,842,000 | 7,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,933,000 | 2,933,000 | 3,946,000 |
| Interest expense | 382,000 | 799,000 | 1,246,000 | 1,724,000 |
| Net interest income | 568,000 | 1,134,000 | 1,687,000 | 2,222,000 |
| Noninterest income | 145,000 | 267,000 | 398,000 | 524,000 |
| Noninterest expense | 539,000 | 1,053,000 | 1,587,000 | 2,159,000 |
| Provision for loan losses | -34,000 | -8,000 | -10,000 | 57,000 |
| Pretax income | 208,000 | 356,000 | 508,000 | 530,000 |
| Income tax | 69,000 | 113,000 | 156,000 | 137,000 |
| Net income | 139,000 | 243,000 | 352,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,879,000 | 7,984,000 | 8,093,000 | 8,134,000 |
| Total capital | 8,133,000 | 8,253,000 | 8,334,000 | 8,427,000 |
| Risk-weighted assets | 37,744,000 | 38,223,000 | 38,099,000 | 43,854,000 |