Call reports 2004
DEWITT BANK & TRUST CO. — 2004
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 98,879,000 | 95,645,000 | 93,401,000 | 99,440,000 |
| Total loans | 48,459,000 | 49,492,000 | 51,347,000 | 51,551,000 |
| Allowance for loan losses | 975,000 | 960,000 | 970,000 | 934,000 |
| Securities available for sale | 44,651,000 | 39,748,000 | 35,106,000 | 36,625,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,701,000 | 80,664,000 | 77,213,000 | 83,670,000 |
| Interest-bearing deposits | 73,440,000 | 74,689,000 | 71,559,000 | 76,180,000 |
| Noninterest-bearing deposits | 6,261,000 | 5,975,000 | 5,654,000 | 7,490,000 |
| Equity capital | 12,923,000 | 12,268,000 | 12,935,000 | 13,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,193,000 | 3,318,000 | 4,464,000 |
| Interest expense | 395,000 | 801,000 | 1,211,000 | 1,631,000 |
| Net interest income | 715,000 | 1,392,000 | 2,107,000 | 2,833,000 |
| Noninterest income | 451,000 | 759,000 | 970,000 | 1,204,000 |
| Noninterest expense | 724,000 | 1,428,000 | 2,137,000 | 2,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 571,000 | 852,000 | 1,108,000 | 1,376,000 |
| Income tax | 168,000 | 219,000 | 265,000 | 313,000 |
| Net income | 403,000 | 633,000 | 843,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,002,000 | 12,232,000 | 12,442,000 | 12,612,000 |
| Total capital | 12,757,000 | 12,987,000 | 13,213,000 | 13,420,000 |
| Risk-weighted assets | 60,188,000 | 60,211,000 | 61,445,000 | 64,534,000 |