Call reports 2003
DEWITT BANK AND TRUST COMPANY — 2003
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,988,000 | 161,039,000 | 154,751,000 | 143,723,000 |
| Total loans | 127,302,000 | 130,779,000 | 120,478,000 | 105,644,000 |
| Allowance for loan losses | 4,406,000 | 4,874,000 | 7,957,000 | 5,946,000 |
| Securities available for sale | 19,956,000 | 23,549,000 | 19,738,000 | 21,053,000 |
| Securities held to maturity | 588,000 | 439,000 | 440,000 | 440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,990,000 | 138,819,000 | 134,240,000 | 123,939,000 |
| Interest-bearing deposits | 128,332,000 | 129,574,000 | 124,068,000 | 109,216,000 |
| Noninterest-bearing deposits | 10,658,000 | 9,245,000 | 10,172,000 | 14,723,000 |
| Equity capital | 21,266,000 | 21,425,000 | 19,756,000 | 19,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,379,000 | 4,485,000 | 6,599,000 | 8,579,000 |
| Interest expense | 913,000 | 1,761,000 | 2,563,000 | 3,307,000 |
| Net interest income | 1,466,000 | 2,724,000 | 4,036,000 | 5,272,000 |
| Noninterest income | 195,000 | 383,000 | 523,000 | 804,000 |
| Noninterest expense | 667,000 | 1,385,000 | 2,166,000 | 2,854,000 |
| Provision for loan losses | 470,000 | 1,040,000 | 4,430,000 | 5,780,000 |
| Pretax income | 748,000 | 911,000 | -1,719,000 | -2,213,000 |
| Income tax | 174,000 | 290,000 | -819,000 | -1,012,000 |
| Net income | 574,000 | 621,000 | -900,000 | -1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,085,000 | 21,132,000 | 19,611,000 | 19,311,000 |
| Total capital | 22,708,000 | 22,793,000 | 21,158,000 | 20,681,000 |
| Risk-weighted assets | 127,093,000 | 129,649,000 | 117,373,000 | 105,007,000 |