Call reports 2008
DEWITT BANK AND TRUST COMPANY — 2008
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,914,000 | 101,831,000 | 100,282,000 | 102,033,000 |
| Total loans | 68,712,000 | 69,026,000 | 70,500,000 | 67,330,000 |
| Allowance for loan losses | 5,323,000 | 5,329,000 | 5,271,000 | 4,997,000 |
| Securities available for sale | 10,193,000 | 9,561,000 | 9,987,000 | 15,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,089,000 | 81,172,000 | 79,177,000 | 79,194,000 |
| Interest-bearing deposits | 68,470,000 | 68,431,000 | 68,425,000 | 66,178,000 |
| Noninterest-bearing deposits | 11,619,000 | 12,741,000 | 10,752,000 | 13,015,000 |
| Equity capital | 15,393,000 | 15,491,000 | 15,906,000 | 15,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,176,000 | 4,763,000 | 6,104,000 |
| Interest expense | 663,000 | 1,261,000 | 1,808,000 | 2,332,000 |
| Net interest income | 951,000 | 1,915,000 | 2,955,000 | 3,772,000 |
| Noninterest income | 229,000 | 310,000 | 456,000 | 724,000 |
| Noninterest expense | 588,000 | 1,223,000 | 1,830,000 | 2,450,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 592,000 | 1,002,000 | 1,582,000 | 2,047,000 |
| Income tax | 178,000 | 330,000 | 513,000 | 687,000 |
| Net income | 414,000 | 672,000 | 1,069,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,411,000 | 15,559,000 | 15,957,000 | 15,408,000 |
| Total capital | 16,320,000 | 16,511,000 | 16,924,000 | 16,348,000 |
| Risk-weighted assets | 68,292,000 | 71,777,000 | 73,021,000 | 71,139,000 |