Call reports 2009
DEWITT BANK AND TRUST COMPANY — 2009
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,044,000 | 105,216,000 | 108,892,000 | 104,851,000 |
| Total loans | 60,391,000 | 61,204,000 | 63,273,000 | 52,801,000 |
| Allowance for loan losses | 4,961,000 | 4,205,000 | 4,247,000 | 4,255,000 |
| Securities available for sale | 15,006,000 | 8,035,000 | 8,028,000 | 7,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,625,000 | 80,493,000 | 80,154,000 | 81,854,000 |
| Interest-bearing deposits | 72,159,000 | 69,125,000 | 68,874,000 | 69,301,000 |
| Noninterest-bearing deposits | 11,466,000 | 11,367,000 | 11,280,000 | 12,554,000 |
| Equity capital | 15,705,000 | 15,927,000 | 16,156,000 | 15,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,326,000 | 2,651,000 | 4,026,000 | 5,311,000 |
| Interest expense | 484,000 | 939,000 | 1,376,000 | 1,787,000 |
| Net interest income | 842,000 | 1,712,000 | 2,650,000 | 3,524,000 |
| Noninterest income | 143,000 | 275,000 | 343,000 | 645,000 |
| Noninterest expense | 610,000 | 1,247,000 | 1,968,000 | 2,601,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 375,000 | 740,000 | 1,025,000 | 1,568,000 |
| Income tax | 114,000 | 251,000 | 335,000 | 319,000 |
| Net income | 261,000 | 489,000 | 690,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,669,000 | 15,896,000 | 16,099,000 | 15,878,000 |
| Total capital | 16,552,000 | 16,770,000 | 17,024,000 | 16,700,000 |
| Risk-weighted assets | 66,592,000 | 67,364,000 | 69,995,000 | 61,636,000 |