Call reports 2007
DEWITT BANK AND TRUST COMPANY — 2007
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,480,000 | 101,194,000 | 103,456,000 | 98,162,000 |
| Total loans | 73,433,000 | 76,975,000 | 78,931,000 | 69,943,000 |
| Allowance for loan losses | 5,292,000 | 5,288,000 | 5,283,000 | 5,298,000 |
| Securities available for sale | 19,527,000 | 18,781,000 | 18,570,000 | 16,071,000 |
| Securities held to maturity | 29,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,263,000 | 74,851,000 | 75,675,000 | 77,896,000 |
| Interest-bearing deposits | 67,248,000 | 64,235,000 | 65,477,000 | 66,187,000 |
| Noninterest-bearing deposits | 12,015,000 | 10,616,000 | 10,198,000 | 11,709,000 |
| Equity capital | 14,637,000 | 14,732,000 | 15,206,000 | 14,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,715,000 | 3,400,000 | 5,232,000 | 6,923,000 |
| Interest expense | 674,000 | 1,365,000 | 2,148,000 | 2,839,000 |
| Net interest income | 1,041,000 | 2,035,000 | 3,084,000 | 4,084,000 |
| Noninterest income | 205,000 | 268,000 | 401,000 | 541,000 |
| Noninterest expense | 655,000 | 1,303,000 | 1,973,000 | 2,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 591,000 | 1,000,000 | 1,512,000 | 1,987,000 |
| Income tax | 191,000 | 410,000 | 553,000 | 620,000 |
| Net income | 400,000 | 590,000 | 959,000 | 1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,810,000 | 15,000,000 | 15,369,000 | 14,996,000 |
| Total capital | 15,764,000 | 15,999,000 | 16,424,000 | 15,950,000 |
| Risk-weighted assets | 71,982,000 | 75,618,000 | 80,190,000 | 71,951,000 |