Call reports 2006
DEWITT BANK AND TRUST COMPANY — 2006
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,952,000 | 103,078,000 | 106,436,000 | 97,026,000 |
| Total loans | 66,983,000 | 70,397,000 | 75,420,000 | 67,790,000 |
| Allowance for loan losses | 5,328,000 | 5,244,000 | 5,273,000 | 5,263,000 |
| Securities available for sale | 23,066,000 | 21,635,000 | 21,581,000 | 20,511,000 |
| Securities held to maturity | 260,000 | 114,000 | 29,000 | 29,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,956,000 | 78,925,000 | 77,106,000 | 78,736,000 |
| Interest-bearing deposits | 68,595,000 | 68,927,000 | 66,380,000 | 67,479,000 |
| Noninterest-bearing deposits | 9,361,000 | 9,998,000 | 10,726,000 | 11,257,000 |
| Equity capital | 19,860,000 | 14,119,000 | 14,688,000 | 14,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 3,009,000 | 4,660,000 | 6,292,000 |
| Interest expense | 587,000 | 1,220,000 | 1,934,000 | 2,623,000 |
| Net interest income | 853,000 | 1,789,000 | 2,726,000 | 3,669,000 |
| Noninterest income | 166,000 | 290,000 | 552,000 | 680,000 |
| Noninterest expense | 685,000 | 1,342,000 | 1,993,000 | 2,691,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 334,000 | 840,000 | 1,390,000 | 1,764,000 |
| Income tax | 83,000 | 230,000 | 388,000 | 537,000 |
| Net income | 251,000 | 610,000 | 1,002,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,165,000 | 14,574,000 | 14,966,000 | 14,410,000 |
| Total capital | 21,079,000 | 15,510,000 | 15,970,000 | 15,314,000 |
| Risk-weighted assets | 68,711,000 | 70,599,000 | 76,069,000 | 67,975,000 |