Call reports 2003
FIRST NATIONAL BANK OF DWIGHT — 2003
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 94,866,000 | 92,579,000 | 91,957,000 | 91,250,000 |
| Total loans | 42,087,000 | 44,773,000 | 42,866,000 | 42,933,000 |
| Allowance for loan losses | 246,000 | 254,000 | 267,000 | 233,000 |
| Securities available for sale | 29,933,000 | 27,734,000 | 28,387,000 | 28,657,000 |
| Securities held to maturity | 3,435,000 | 2,998,000 | 2,822,000 | 1,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,787,000 | 76,030,000 | 75,605,000 | 74,849,000 |
| Interest-bearing deposits | 71,859,000 | 69,773,000 | 69,164,000 | 68,878,000 |
| Noninterest-bearing deposits | 5,928,000 | 6,257,000 | 6,441,000 | 5,971,000 |
| Equity capital | 14,708,000 | 14,983,000 | 14,937,000 | 14,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,142,000 | 3,148,000 | 4,119,000 |
| Interest expense | 451,000 | 832,000 | 1,162,000 | 1,473,000 |
| Net interest income | 643,000 | 1,310,000 | 1,986,000 | 2,646,000 |
| Noninterest income | 129,000 | 275,000 | 411,000 | 585,000 |
| Noninterest expense | 488,000 | 965,000 | 1,447,000 | 1,956,000 |
| Provision for loan losses | 12,000 | 25,000 | 38,000 | 4,000 |
| Pretax income | 272,000 | 712,000 | 1,027,000 | 1,386,000 |
| Income tax | 94,000 | 246,000 | 355,000 | 471,000 |
| Net income | 178,000 | 466,000 | 672,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,785,000 | 13,952,000 | 14,039,000 | 14,158,000 |
| Total capital | 14,471,000 | 14,628,000 | 14,719,000 | 14,794,000 |
| Risk-weighted assets | 56,093,000 | 59,052,000 | 57,242,000 | 57,221,000 |
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