Call reports 2003
DEWITT BANK & TRUST CO. — 2003
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 103,771,000 | 100,203,000 | 96,134,000 | 94,649,000 |
| Total loans | 53,676,000 | 51,087,000 | 49,581,000 | 45,857,000 |
| Allowance for loan losses | 1,233,000 | 1,224,000 | 1,216,000 | 971,000 |
| Securities available for sale | 42,775,000 | 42,339,000 | 39,881,000 | 40,774,000 |
| Securities held to maturity | 324,000 | 324,000 | 324,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,648,000 | 79,978,000 | 74,477,000 | 78,528,000 |
| Interest-bearing deposits | 76,924,000 | 74,604,000 | 69,065,000 | 71,740,000 |
| Noninterest-bearing deposits | 5,724,000 | 5,374,000 | 5,412,000 | 6,788,000 |
| Equity capital | 12,337,000 | 12,348,000 | 12,337,000 | 12,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,354,000 | 2,626,000 | 3,748,000 | 4,838,000 |
| Interest expense | 585,000 | 1,133,000 | 1,640,000 | 2,133,000 |
| Net interest income | 769,000 | 1,493,000 | 2,108,000 | 2,705,000 |
| Noninterest income | 495,000 | 792,000 | 1,200,000 | 1,406,000 |
| Noninterest expense | 722,000 | 1,419,000 | 2,142,000 | 3,128,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 661,000 | 985,000 | 1,355,000 | 1,452,000 |
| Income tax | 218,000 | 302,000 | 399,000 | 387,000 |
| Net income | 443,000 | 683,000 | 956,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,576,000 | 11,416,000 | 11,690,000 | 11,599,000 |
| Total capital | 12,367,000 | 12,203,000 | 12,438,000 | 12,346,000 |
| Risk-weighted assets | 62,843,000 | 62,525,000 | 59,379,000 | 59,534,000 |