Call reports 2006
FIRST NATIONAL BANK OF DWIGHT — 2006
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 90,719,000 | 88,925,000 | 91,533,000 | 94,102,000 |
| Total loans | 45,693,000 | 49,107,000 | 51,142,000 | 52,364,000 |
| Allowance for loan losses | 211,000 | 203,000 | 235,000 | 265,000 |
| Securities available for sale | 24,151,000 | 19,095,000 | 16,110,000 | 13,031,000 |
| Securities held to maturity | 6,493,000 | 7,386,000 | 9,090,000 | 10,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,452,000 | 74,374,000 | 76,606,000 | 78,159,000 |
| Interest-bearing deposits | 66,888,000 | 66,850,000 | 67,725,000 | 68,061,000 |
| Noninterest-bearing deposits | 7,564,000 | 7,524,000 | 8,880,000 | 10,098,000 |
| Equity capital | 13,827,000 | 12,783,000 | 13,075,000 | 12,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,318,000 | 3,570,000 | 4,896,000 |
| Interest expense | 365,000 | 763,000 | 1,192,000 | 1,644,000 |
| Net interest income | 766,000 | 1,555,000 | 2,378,000 | 3,252,000 |
| Noninterest income | 148,000 | 299,000 | 452,000 | 640,000 |
| Noninterest expense | 532,000 | 1,092,000 | 1,650,000 | 2,304,000 |
| Provision for loan losses | -6,000 | -13,000 | 17,000 | 47,000 |
| Pretax income | 388,000 | 688,000 | 1,076,000 | 1,454,000 |
| Income tax | 8,000 | 17,000 | 24,000 | 34,000 |
| Net income | 380,000 | 671,000 | 1,052,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,345,000 | 12,236,000 | 12,417,000 | 12,044,000 |
| Total capital | 14,073,000 | 12,946,000 | 13,153,000 | 12,779,000 |
| Risk-weighted assets | 57,261,000 | 57,977,000 | 59,492,000 | 61,887,000 |