Call reports 2015
DEWITT BANK & TRUST CO. — 2015
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 154,751,000 | 151,578,000 | 149,276,000 | 155,588,000 |
| Total loans | 107,993,000 | 107,723,000 | 104,851,000 | 106,460,000 |
| Allowance for loan losses | 1,137,000 | 1,183,000 | 1,214,000 | 1,108,000 |
| Securities available for sale | 38,943,000 | 36,889,000 | 35,387,000 | 40,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,493,000 | 132,491,000 | 130,938,000 | 136,800,000 |
| Interest-bearing deposits | 118,335,000 | 120,102,000 | 117,969,000 | 123,218,000 |
| Noninterest-bearing deposits | 12,158,000 | 12,389,000 | 12,969,000 | 13,582,000 |
| Equity capital | 15,872,000 | 15,676,000 | 16,239,000 | 16,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,760,000 | 4,204,000 | 5,587,000 |
| Interest expense | 217,000 | 445,000 | 673,000 | 906,000 |
| Net interest income | 1,136,000 | 2,315,000 | 3,531,000 | 4,681,000 |
| Noninterest income | 807,000 | 1,314,000 | 1,801,000 | 2,302,000 |
| Noninterest expense | 1,258,000 | 2,435,000 | 3,579,000 | 4,863,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 792,000 | 1,255,000 | 1,896,000 | 2,241,000 |
| Income tax | 40,000 | 64,000 | 95,000 | 114,000 |
| Net income | 752,000 | 1,191,000 | 1,801,000 | 2,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,701,000 | 14,952,000 | 15,381,000 | 15,458,000 |
| Total capital | 15,838,000 | 16,135,000 | 16,595,000 | 16,566,000 |
| Risk-weighted assets | 123,573,000 | 124,462,000 | 121,035,000 | 128,987,000 |