Call reports 2006
DEWITT BANK & TRUST CO. — 2006
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,495,000 | 96,791,000 | 97,510,000 | 95,863,000 |
| Total loans | 56,758,000 | 59,788,000 | 61,644,000 | 61,833,000 |
| Allowance for loan losses | 933,000 | 892,000 | 894,000 | 862,000 |
| Securities available for sale | 29,834,000 | 30,916,000 | 28,739,000 | 27,177,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,088,000 | 84,265,000 | 81,956,000 | 83,763,000 |
| Interest-bearing deposits | 75,799,000 | 78,216,000 | 75,892,000 | 76,804,000 |
| Noninterest-bearing deposits | 6,289,000 | 6,049,000 | 6,063,000 | 6,959,000 |
| Equity capital | 8,524,000 | 8,524,000 | 9,061,000 | 8,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,603,000 | 3,994,000 | 5,394,000 |
| Interest expense | 542,000 | 1,155,000 | 1,848,000 | 2,532,000 |
| Net interest income | 709,000 | 1,448,000 | 2,146,000 | 2,862,000 |
| Noninterest income | 478,000 | 776,000 | 1,059,000 | 1,358,000 |
| Noninterest expense | 738,000 | 1,429,000 | 2,119,000 | 2,843,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 449,000 | 775,000 | 1,089,000 | 1,380,000 |
| Income tax | 104,000 | 166,000 | 222,000 | 280,000 |
| Net income | 345,000 | 609,000 | 867,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,489,000 | 8,693,000 | 8,911,000 | 8,664,000 |
| Total capital | 9,306,000 | 9,585,000 | 9,805,000 | 9,526,000 |
| Risk-weighted assets | 67,674,000 | 71,677,000 | 72,755,000 | 72,738,000 |