Call reports 2008
FIRST NATIONAL BANK OF DWIGHT — 2008
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,575,000 | 103,254,000 | 104,196,000 | 107,271,000 |
| Total loans | 47,624,000 | 49,602,000 | 51,335,000 | 56,896,000 |
| Allowance for loan losses | 142,000 | 150,000 | 179,000 | 146,000 |
| Securities available for sale | 28,736,000 | 24,503,000 | 24,910,000 | 20,831,000 |
| Securities held to maturity | 8,844,000 | 8,341,000 | 7,920,000 | 7,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,139,000 | 86,477,000 | 85,389,000 | 84,577,000 |
| Interest-bearing deposits | 80,732,000 | 77,936,000 | 13,854,000 | 75,213,000 |
| Noninterest-bearing deposits | 9,407,000 | 8,541,000 | 71,535,000 | 9,364,000 |
| Equity capital | 13,969,000 | 13,315,000 | 13,832,000 | 13,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,877,000 | 4,254,000 | 5,659,000 |
| Interest expense | 559,000 | 1,059,000 | 1,521,000 | 1,962,000 |
| Net interest income | 915,000 | 1,818,000 | 2,733,000 | 3,697,000 |
| Noninterest income | 167,000 | 341,000 | 513,000 | 841,000 |
| Noninterest expense | 552,000 | 1,116,000 | 2,097,000 | 2,650,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 7,000 |
| Pretax income | 536,000 | 1,050,000 | 1,127,000 | 1,894,000 |
| Income tax | 11,000 | 21,000 | 26,000 | 41,000 |
| Net income | 525,000 | 1,029,000 | 1,101,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,304,000 | 13,607,000 | 13,480,000 | 13,116,000 |
| Total capital | 13,446,000 | 13,757,000 | 13,659,000 | 13,262,000 |
| Risk-weighted assets | 62,249,000 | 61,490,000 | 64,112,000 | 69,198,000 |