Call reports 2008
DEWITT BANK & TRUST CO. — 2008
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,275,000 | 109,890,000 | 112,104,000 | 113,193,000 |
| Total loans | 66,736,000 | 69,096,000 | 75,671,000 | 76,758,000 |
| Allowance for loan losses | 820,000 | 821,000 | 818,000 | 894,000 |
| Securities available for sale | 37,040,000 | 33,489,000 | 28,791,000 | 26,698,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,301,000 | 93,779,000 | 90,192,000 | 94,183,000 |
| Interest-bearing deposits | 88,257,000 | 87,450,000 | 84,696,000 | 88,193,000 |
| Noninterest-bearing deposits | 6,044,000 | 6,329,000 | 5,496,000 | 5,990,000 |
| Equity capital | 9,473,000 | 9,355,000 | 9,613,000 | 9,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 2,988,000 | 4,501,000 | 6,012,000 |
| Interest expense | 747,000 | 1,423,000 | 2,084,000 | 2,680,000 |
| Net interest income | 738,000 | 1,565,000 | 2,417,000 | 3,332,000 |
| Noninterest income | 567,000 | 906,000 | 1,206,000 | 1,519,000 |
| Noninterest expense | 762,000 | 1,498,000 | 2,271,000 | 3,103,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 543,000 | 973,000 | 1,340,000 | 1,656,000 |
| Income tax | 144,000 | 244,000 | 323,000 | 385,000 |
| Net income | 399,000 | 729,000 | 1,017,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,008,000 | 9,299,000 | 9,575,000 | 9,779,000 |
| Total capital | 9,828,000 | 10,120,000 | 10,393,000 | 10,673,000 |
| Risk-weighted assets | 79,436,000 | 81,780,000 | 86,942,000 | 90,293,000 |