Call reports 2008
DEWITT SAVINGS BANK — 2008
What DEWITT SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,719,000 | 78,294,000 | 76,778,000 | 79,299,000 |
| Total loans | 37,113,000 | 37,006,000 | 36,997,000 | 38,836,000 |
| Allowance for loan losses | 300,000 | 303,000 | 297,000 | 308,000 |
| Securities available for sale | 28,965,000 | 27,384,000 | 26,582,000 | 28,410,000 |
| Securities held to maturity | 3,986,000 | 3,984,000 | 3,982,000 | 3,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,266,000 | 62,961,000 | 61,315,000 | 63,637,000 |
| Interest-bearing deposits | 60,475,000 | 59,093,000 | 58,234,000 | 58,687,000 |
| Noninterest-bearing deposits | 4,791,000 | 3,868,000 | 3,081,000 | 4,950,000 |
| Equity capital | 8,686,000 | 8,635,000 | 8,727,000 | 8,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,025,000 | 2,090,000 | 3,150,000 | 4,180,000 |
| Interest expense | 503,000 | 994,000 | 1,461,000 | 1,910,000 |
| Net interest income | 522,000 | 1,096,000 | 1,689,000 | 2,270,000 |
| Noninterest income | 149,000 | 291,000 | 437,000 | 552,000 |
| Noninterest expense | 542,000 | 1,118,000 | 1,690,000 | 2,290,000 |
| Provision for loan losses | 93,000 | 88,000 | 82,000 | 91,000 |
| Pretax income | 36,000 | 181,000 | 354,000 | 441,000 |
| Income tax | 5,000 | 51,000 | 108,000 | 109,000 |
| Net income | 31,000 | 130,000 | 246,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,585,000 | 8,684,000 | 8,801,000 | 8,860,000 |
| Total capital | 8,885,000 | 8,987,000 | 9,098,000 | 9,168,000 |
| Risk-weighted assets | 45,115,000 | 44,875,000 | 44,195,000 | 44,680,000 |