Call reports 2005
DEWITT BANK & TRUST CO. — 2005
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 101,747,000 | 96,715,000 | 91,853,000 | 94,934,000 |
| Total loans | 54,097,000 | 55,348,000 | 55,676,000 | 55,814,000 |
| Allowance for loan losses | 938,000 | 926,000 | 929,000 | 929,000 |
| Securities available for sale | 35,219,000 | 35,873,000 | 30,511,000 | 31,022,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,071,000 | 83,160,000 | 78,065,000 | 83,928,000 |
| Interest-bearing deposits | 79,969,000 | 76,981,000 | 72,632,000 | 76,112,000 |
| Noninterest-bearing deposits | 6,102,000 | 6,179,000 | 5,433,000 | 7,816,000 |
| Equity capital | 12,915,000 | 8,135,000 | 8,238,000 | 8,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,368,000 | 3,757,000 | 4,980,000 |
| Interest expense | 437,000 | 916,000 | 1,435,000 | 1,956,000 |
| Net interest income | 716,000 | 1,452,000 | 2,322,000 | 3,024,000 |
| Noninterest income | 445,000 | 750,000 | 1,006,000 | 1,322,000 |
| Noninterest expense | 747,000 | 1,466,000 | 2,171,000 | 2,864,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 414,000 | 736,000 | 1,032,000 | 1,356,000 |
| Income tax | 99,000 | 162,000 | 213,000 | 269,000 |
| Net income | 315,000 | 574,000 | 819,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,927,000 | 7,871,000 | 8,005,000 | 8,184,000 |
| Total capital | 13,765,000 | 8,706,000 | 8,852,000 | 9,048,000 |
| Risk-weighted assets | 66,955,000 | 66,723,000 | 67,701,000 | 69,062,000 |