Call reports 2002
DEWITT BANK & TRUST CO. — 2002
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 111,321,000 | 105,436,000 | 100,958,000 | 106,196,000 |
| Total loans | 72,686,000 | 69,316,000 | 66,655,000 | 58,004,000 |
| Allowance for loan losses | 1,150,000 | 1,190,000 | 1,236,000 | 1,226,000 |
| Securities available for sale | 30,554,000 | 27,484,000 | 25,555,000 | 40,730,000 |
| Securities held to maturity | 650,000 | 484,000 | 484,000 | 324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,806,000 | 82,570,000 | 78,223,000 | 84,004,000 |
| Interest-bearing deposits | 83,069,000 | 77,293,000 | 72,889,000 | 76,655,000 |
| Noninterest-bearing deposits | 5,737,000 | 5,277,000 | 5,334,000 | 7,349,000 |
| Equity capital | 11,327,000 | 11,849,000 | 12,453,000 | 12,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,324,000 | 4,957,000 | 6,402,000 |
| Interest expense | 804,000 | 1,538,000 | 2,221,000 | 2,876,000 |
| Net interest income | 875,000 | 1,786,000 | 2,736,000 | 3,526,000 |
| Noninterest income | 472,000 | 757,000 | 1,116,000 | 1,374,000 |
| Noninterest expense | 793,000 | 1,572,000 | 2,340,000 | 3,067,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 494,000 | 851,000 | 1,430,000 | 1,751,000 |
| Income tax | 136,000 | 238,000 | 440,000 | 530,000 |
| Net income | 358,000 | 613,000 | 990,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,856,000 | 11,111,000 | 11,488,000 | 11,359,000 |
| Total capital | 11,822,000 | 12,021,000 | 12,363,000 | 12,249,000 |
| Risk-weighted assets | 77,066,000 | 72,532,000 | 69,670,000 | 70,902,000 |