Call reports 2007
DEWITT SAVINGS BANK — 2007
What DEWITT SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 75,671,000 | 75,197,000 | 76,155,000 | 73,988,000 |
| Total loans | 37,072,000 | 38,490,000 | 38,030,000 | 38,017,000 |
| Allowance for loan losses | 243,000 | 219,000 | 179,000 | 206,000 |
| Securities available for sale | 22,720,000 | 22,338,000 | 20,994,000 | 21,437,000 |
| Securities held to maturity | 3,701,000 | 3,991,000 | 3,989,000 | 3,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,856,000 | 64,408,000 | 66,066,000 | 63,839,000 |
| Interest-bearing deposits | 62,630,000 | 60,104,000 | 62,336,000 | 59,955,000 |
| Noninterest-bearing deposits | 4,226,000 | 4,304,000 | 3,730,000 | 3,884,000 |
| Equity capital | 8,043,000 | 8,160,000 | 8,351,000 | 8,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,107,000 | 3,179,000 | 4,224,000 |
| Interest expense | 488,000 | 983,000 | 1,505,000 | 2,033,000 |
| Net interest income | 581,000 | 1,124,000 | 1,674,000 | 2,191,000 |
| Noninterest income | 117,000 | 226,000 | 365,000 | 499,000 |
| Noninterest expense | 556,000 | 1,062,000 | 1,631,000 | 2,194,000 |
| Provision for loan losses | 8,000 | -67,000 | -113,000 | -80,000 |
| Pretax income | 134,000 | 355,000 | 521,000 | 576,000 |
| Income tax | 42,000 | 120,000 | 181,000 | 156,000 |
| Net income | 92,000 | 235,000 | 340,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,226,000 | 8,369,000 | 8,474,000 | 8,554,000 |
| Total capital | 8,469,000 | 8,588,000 | 8,653,000 | 8,760,000 |
| Risk-weighted assets | 44,800,000 | 44,762,000 | 44,779,000 | 44,165,000 |