Call reports 2009
DEWITT BANK & TRUST CO. — 2009
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 109,332,000 | 108,255,000 | 111,500,000 | 110,624,000 |
| Total loans | 79,816,000 | 78,475,000 | 83,451,000 | 83,795,000 |
| Allowance for loan losses | 920,000 | 947,000 | 974,000 | 995,000 |
| Securities available for sale | 22,870,000 | 22,840,000 | 22,058,000 | 19,679,000 |
| Securities held to maturity | 110,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,818,000 | 93,290,000 | 86,970,000 | 95,623,000 |
| Interest-bearing deposits | 87,347,000 | 86,669,000 | 80,506,000 | 85,272,000 |
| Noninterest-bearing deposits | 5,471,000 | 6,621,000 | 6,464,000 | 10,351,000 |
| Equity capital | 10,001,000 | 10,242,000 | 10,331,000 | 10,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,871,000 | 4,324,000 | 5,788,000 |
| Interest expense | 530,000 | 1,042,000 | 1,498,000 | 1,933,000 |
| Net interest income | 915,000 | 1,829,000 | 2,826,000 | 3,855,000 |
| Noninterest income | 602,000 | 951,000 | 1,238,000 | 1,589,000 |
| Noninterest expense | 843,000 | 1,749,000 | 2,545,000 | 3,449,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 649,000 | 1,026,000 | 1,417,000 | 1,942,000 |
| Income tax | 191,000 | 281,000 | 387,000 | 524,000 |
| Net income | 458,000 | 745,000 | 1,030,000 | 1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,992,000 | 10,213,000 | 10,139,000 | 10,222,000 |
| Total capital | 10,912,000 | 11,160,000 | 11,113,000 | 11,217,000 |
| Risk-weighted assets | 90,519,000 | 89,511,000 | 93,219,000 | 93,883,000 |