Call reports 2005
DEWITT BANK AND TRUST COMPANY — 2005
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,093,000 | 103,132,000 | 105,806,000 | 105,678,000 |
| Total loans | 72,598,000 | 72,861,000 | 74,064,000 | 68,774,000 |
| Allowance for loan losses | 5,806,000 | 5,881,000 | 5,908,000 | 5,458,000 |
| Securities available for sale | 28,260,000 | 26,757,000 | 25,270,000 | 23,982,000 |
| Securities held to maturity | 330,000 | 260,000 | 260,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,329,000 | 79,249,000 | 76,948,000 | 77,094,000 |
| Interest-bearing deposits | 73,674,000 | 70,086,000 | 67,633,000 | 68,395,000 |
| Noninterest-bearing deposits | 10,655,000 | 9,163,000 | 9,315,000 | 8,699,000 |
| Equity capital | 19,805,000 | 20,148,000 | 20,338,000 | 19,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,934,000 | 4,444,000 | 5,886,000 |
| Interest expense | 452,000 | 952,000 | 1,513,000 | 2,081,000 |
| Net interest income | 958,000 | 1,982,000 | 2,931,000 | 3,805,000 |
| Noninterest income | 173,000 | 307,000 | 404,000 | 548,000 |
| Noninterest expense | 708,000 | 1,522,000 | 2,192,000 | 2,916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 423,000 | 767,000 | 1,142,000 | 1,436,000 |
| Income tax | 103,000 | 188,000 | 293,000 | 376,000 |
| Net income | 320,000 | 579,000 | 849,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,955,000 | 20,214,000 | 20,484,000 | 19,914,000 |
| Total capital | 20,934,000 | 21,169,000 | 21,473,000 | 20,836,000 |
| Risk-weighted assets | 73,510,000 | 71,514,000 | 73,934,000 | 69,207,000 |