Call reports 2009
FIRST NATIONAL BANK OF DWIGHT — 2009
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,356,000 | 111,553,000 | 115,104,000 | 124,522,000 |
| Total loans | 51,773,000 | 53,827,000 | 52,399,000 | 54,379,000 |
| Allowance for loan losses | 51,000 | 110,000 | 171,000 | 146,000 |
| Securities available for sale | 27,311,000 | 34,042,000 | 40,671,000 | 45,832,000 |
| Securities held to maturity | 6,457,000 | 5,080,000 | 4,175,000 | 3,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,072,000 | 93,266,000 | 95,894,000 | 98,256,000 |
| Interest-bearing deposits | 78,879,000 | 84,475,000 | 87,527,000 | 87,625,000 |
| Noninterest-bearing deposits | 9,193,000 | 8,791,000 | 8,367,000 | 10,631,000 |
| Equity capital | 12,824,000 | 13,079,000 | 13,778,000 | 14,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,634,000 | 3,932,000 | 5,215,000 |
| Interest expense | 383,000 | 753,000 | 1,136,000 | 1,514,000 |
| Net interest income | 934,000 | 1,881,000 | 2,796,000 | 3,701,000 |
| Noninterest income | 121,000 | 295,000 | 470,000 | 678,000 |
| Noninterest expense | 561,000 | 1,192,000 | 1,807,000 | 2,349,000 |
| Provision for loan losses | 44,000 | 103,000 | 164,000 | 143,000 |
| Pretax income | 440,000 | 871,000 | 1,285,000 | 1,877,000 |
| Income tax | 7,000 | 18,000 | 28,000 | 40,000 |
| Net income | 433,000 | 853,000 | 1,257,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,269,000 | 12,489,000 | 12,893,000 | 13,132,000 |
| Total capital | 12,320,000 | 12,599,000 | 13,064,000 | 13,278,000 |
| Risk-weighted assets | 68,288,000 | 73,384,000 | 76,301,000 | 78,144,000 |