Call reports 2007
FIRST NATIONAL BANK OF DWIGHT — 2007
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 97,356,000 | 96,767,000 | 97,575,000 | 103,632,000 |
| Total loans | 47,109,000 | 47,818,000 | 48,481,000 | 51,481,000 |
| Allowance for loan losses | 153,000 | 151,000 | 151,000 | 146,000 |
| Securities available for sale | 13,556,000 | 15,487,000 | 18,279,000 | 19,788,000 |
| Securities held to maturity | 12,966,000 | 12,680,000 | 9,695,000 | 9,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,611,000 | 80,798,000 | 78,897,000 | 80,705,000 |
| Interest-bearing deposits | 72,040,000 | 71,516,000 | 71,376,000 | 72,718,000 |
| Noninterest-bearing deposits | 8,571,000 | 9,282,000 | 7,521,000 | 7,987,000 |
| Equity capital | 13,255,000 | 13,418,000 | 13,894,000 | 13,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,419,000 | 2,845,000 | 4,293,000 | 5,785,000 |
| Interest expense | 462,000 | 967,000 | 1,480,000 | 2,028,000 |
| Net interest income | 957,000 | 1,878,000 | 2,813,000 | 3,757,000 |
| Noninterest income | 154,000 | 324,000 | 496,000 | 722,000 |
| Noninterest expense | 536,000 | 1,090,000 | 1,660,000 | 2,299,000 |
| Provision for loan losses | -112,000 | -112,000 | -112,000 | -112,000 |
| Pretax income | 687,000 | 2,402,000 | 2,939,000 | 3,470,000 |
| Income tax | 11,000 | 318,000 | 329,000 | 341,000 |
| Net income | 676,000 | 2,084,000 | 2,610,000 | 3,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,720,000 | 13,565,000 | 13,891,000 | 12,978,000 |
| Total capital | 13,269,000 | 13,716,000 | 14,042,000 | 13,124,000 |
| Risk-weighted assets | 57,686,000 | 59,211,000 | 60,543,000 | 64,789,000 |