Call reports 2004
DEWITT BANK AND TRUST COMPANY — 2004
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 129,015,000 | 114,121,000 | 105,253,000 | 105,257,000 |
| Total loans | 89,682,000 | 84,810,000 | 79,531,000 | 76,325,000 |
| Allowance for loan losses | 6,153,000 | 6,135,000 | 6,191,000 | 5,870,000 |
| Securities available for sale | 20,979,000 | 19,027,000 | 19,850,000 | 22,334,000 |
| Securities held to maturity | 440,000 | 430,000 | 430,000 | 330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,953,000 | 93,303,000 | 83,805,000 | 84,485,000 |
| Interest-bearing deposits | 96,437,000 | 81,520,000 | 74,920,000 | 75,902,000 |
| Noninterest-bearing deposits | 11,516,000 | 11,783,000 | 8,885,000 | 8,583,000 |
| Equity capital | 20,105,000 | 19,774,000 | 20,222,000 | 19,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,503,000 | 4,952,000 | 6,457,000 |
| Interest expense | 602,000 | 1,094,000 | 1,526,000 | 1,967,000 |
| Net interest income | 1,108,000 | 2,409,000 | 3,426,000 | 4,490,000 |
| Noninterest income | 261,000 | 451,000 | 642,000 | 726,000 |
| Noninterest expense | 717,000 | 1,525,000 | 2,254,000 | 3,189,000 |
| Provision for loan losses | 150,000 | 350,000 | 350,000 | 350,000 |
| Pretax income | 503,000 | 986,000 | 1,466,000 | 1,689,000 |
| Income tax | 0 | 96,000 | 270,000 | 588,000 |
| Net income | 503,000 | 890,000 | 1,196,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,931,000 | 19,849,000 | 20,155,000 | 19,636,000 |
| Total capital | 21,080,000 | 20,967,000 | 21,202,000 | 20,647,000 |
| Risk-weighted assets | 87,079,000 | 84,447,000 | 78,590,000 | 75,939,000 |