Call reports 2016
DEWITT BANK AND TRUST COMPANY — 2016
What DEWITT BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 118,776,000 | 116,191,000 | 106,150,000 | 100,040,000 |
| Total loans | 36,926,000 | 41,620,000 | 40,745,000 | 30,282,000 |
| Allowance for loan losses | 2,448,000 | 2,430,000 | 2,431,000 | 2,436,000 |
| Securities available for sale | 59,561,000 | 58,690,000 | 40,053,000 | 59,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,591,000 | 86,803,000 | 81,271,000 | 82,454,000 |
| Interest-bearing deposits | 69,957,000 | 63,226,000 | 54,497,000 | 59,245,000 |
| Noninterest-bearing deposits | 19,634,000 | 23,577,000 | 26,774,000 | 23,209,000 |
| Equity capital | 23,793,000 | 24,223,000 | 24,057,000 | 16,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,913,000 | 2,920,000 | 3,847,000 |
| Interest expense | 125,000 | 245,000 | 357,000 | 399,000 |
| Net interest income | 822,000 | 1,668,000 | 2,563,000 | 3,448,000 |
| Noninterest income | 162,000 | 220,000 | 307,000 | 320,000 |
| Noninterest expense | 630,000 | 1,251,000 | 2,329,000 | 3,100,000 |
| Provision for loan losses | -30,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 376,000 | 679,000 | 590,000 | 710,000 |
| Income tax | 107,000 | 188,000 | 122,000 | 1,471,000 |
| Net income | 269,000 | 491,000 | 468,000 | -761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,479,000 | 21,703,000 | 21,680,000 | 15,872,000 |
| Total capital | 22,279,000 | 22,549,000 | 22,525,000 | 16,736,000 |
| Risk-weighted assets | 62,417,000 | 66,116,000 | 66,094,000 | 67,615,000 |