Call reports 2004
FIRST NATIONAL BANK OF DWIGHT — 2004
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,727,000 | 91,958,000 | 92,251,000 | 91,369,000 |
| Total loans | 41,629,000 | 42,240,000 | 42,743,000 | 43,719,000 |
| Allowance for loan losses | 232,000 | 233,000 | 237,000 | 236,000 |
| Securities available for sale | 31,800,000 | 31,012,000 | 30,453,000 | 29,382,000 |
| Securities held to maturity | 1,375,000 | 1,335,000 | 1,287,000 | 1,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,180,000 | 75,806,000 | 75,587,000 | 74,533,000 |
| Interest-bearing deposits | 71,830,000 | 69,559,000 | 69,262,000 | 68,708,000 |
| Noninterest-bearing deposits | 6,350,000 | 6,247,000 | 6,325,000 | 5,825,000 |
| Equity capital | 15,054,000 | 14,331,000 | 14,733,000 | 14,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,897,000 | 2,835,000 | 3,787,000 |
| Interest expense | 303,000 | 592,000 | 877,000 | 1,160,000 |
| Net interest income | 654,000 | 1,305,000 | 1,958,000 | 2,627,000 |
| Noninterest income | 131,000 | 266,000 | 404,000 | 586,000 |
| Noninterest expense | 479,000 | 963,000 | 1,447,000 | 2,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 306,000 | 608,000 | 914,000 | 1,166,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 34,000 |
| Net income | 298,000 | 591,000 | 888,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,867,000 | 13,799,000 | 13,897,000 | 13,761,000 |
| Total capital | 14,522,000 | 14,462,000 | 14,600,000 | 14,563,000 |
| Risk-weighted assets | 55,949,000 | 56,422,000 | 55,745,000 | 57,162,000 |
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