Call reports 2016
DEWITT BANK & TRUST CO. — 2016
What DEWITT BANK & TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 158,627,000 | 161,616,000 | 159,374,000 | 160,533,000 |
| Total loans | 108,802,000 | 106,250,000 | 109,963,000 | 111,990,000 |
| Allowance for loan losses | 1,169,000 | 1,065,000 | 1,145,000 | 1,232,000 |
| Securities available for sale | 39,039,000 | 42,831,000 | 38,900,000 | 39,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,564,000 | 141,987,000 | 138,433,000 | 141,069,000 |
| Interest-bearing deposits | 124,605,000 | 127,234,000 | 124,418,000 | 126,037,000 |
| Noninterest-bearing deposits | 12,959,000 | 14,753,000 | 14,015,000 | 15,032,000 |
| Equity capital | 17,028,000 | 17,799,000 | 17,748,000 | 16,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,817,000 | 4,238,000 | 5,703,000 |
| Interest expense | 227,000 | 461,000 | 694,000 | 924,000 |
| Net interest income | 1,156,000 | 2,356,000 | 3,544,000 | 4,779,000 |
| Noninterest income | 879,000 | 1,479,000 | 1,992,000 | 2,589,000 |
| Noninterest expense | 1,347,000 | 2,622,000 | 3,886,000 | 5,235,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 826,000 | 1,321,000 | 1,836,000 | 2,289,000 |
| Income tax | 41,000 | 68,000 | 91,000 | 114,000 |
| Net income | 785,000 | 1,253,000 | 1,745,000 | 2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,073,000 | 16,261,000 | 16,582,000 | 16,387,000 |
| Total capital | 17,242,000 | 17,326,000 | 17,727,000 | 17,619,000 |
| Risk-weighted assets | 127,708,000 | 124,544,000 | 125,731,000 | 127,280,000 |