Call reports 2002
DEWITT BANK AND TRUST COMPANY — 2002
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 153,884,000 | 166,228,000 | 169,172,000 | 165,426,000 |
| Total loans | 115,139,000 | 127,474,000 | 130,308,000 | 130,863,000 |
| Allowance for loan losses | 1,824,000 | 1,950,000 | 1,966,000 | 4,151,000 |
| Securities available for sale | 31,820,000 | 32,153,000 | 31,314,000 | 29,967,000 |
| Securities held to maturity | 1,756,000 | 1,534,000 | 999,000 | 693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,424,000 | 128,928,000 | 144,216,000 | 141,420,000 |
| Interest-bearing deposits | 101,052,000 | 119,382,000 | 132,654,000 | 131,773,000 |
| Noninterest-bearing deposits | 13,372,000 | 9,546,000 | 11,562,000 | 9,647,000 |
| Equity capital | 22,178,000 | 23,239,000 | 24,202,000 | 20,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,499,000 | 4,963,000 | 7,559,000 | 9,879,000 |
| Interest expense | 1,002,000 | 1,962,000 | 2,987,000 | 3,989,000 |
| Net interest income | 1,497,000 | 3,001,000 | 4,572,000 | 5,890,000 |
| Noninterest income | 131,000 | 309,000 | 449,000 | 643,000 |
| Noninterest expense | 699,000 | 1,310,000 | 1,959,000 | 2,584,000 |
| Provision for loan losses | 120,000 | 240,000 | 420,000 | 4,260,000 |
| Pretax income | 809,000 | 1,760,000 | 2,719,000 | -305,000 |
| Income tax | 180,000 | 360,000 | 540,000 | -348,000 |
| Net income | 629,000 | 1,400,000 | 2,179,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,268,000 | 23,040,000 | 23,819,000 | 20,511,000 |
| Total capital | 23,788,000 | 24,705,000 | 25,507,000 | 22,198,000 |
| Risk-weighted assets | 120,966,000 | 132,907,000 | 134,724,000 | 132,508,000 |