Call reports 2015
FIRST NATIONAL BANK OF DWIGHT — 2015
What FIRST NATIONAL BANK OF DWIGHT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,559,000 | 114,343,000 | 118,254,000 | 117,686,000 |
| Total loans | 35,305,000 | 34,213,000 | 35,866,000 | 38,400,000 |
| Allowance for loan losses | 390,000 | 394,000 | 399,000 | 383,000 |
| Securities available for sale | 45,954,000 | 45,473,000 | 47,930,000 | 46,243,000 |
| Securities held to maturity | 6,525,000 | 6,524,000 | 6,524,000 | 6,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,927,000 | 99,509,000 | 103,617,000 | 103,236,000 |
| Interest-bearing deposits | 86,528,000 | 85,716,000 | 90,037,000 | 87,974,000 |
| Noninterest-bearing deposits | 13,399,000 | 13,793,000 | 13,580,000 | 15,262,000 |
| Equity capital | 14,193,000 | 14,173,000 | 14,153,000 | 14,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 648,000 | 1,286,000 | 1,951,000 | 2,686,000 |
| Interest expense | 58,000 | 114,000 | 170,000 | 232,000 |
| Net interest income | 590,000 | 1,172,000 | 1,781,000 | 2,454,000 |
| Noninterest income | 127,000 | 258,000 | 396,000 | 580,000 |
| Noninterest expense | 581,000 | 1,133,000 | 1,713,000 | 2,279,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 136,000 | 306,000 | 481,000 | 922,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 5,000 |
| Net income | 135,000 | 303,000 | 476,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,034,000 | 14,102,000 | 14,175,000 | 13,996,000 |
| Total capital | 14,424,000 | 14,496,000 | 14,574,000 | 14,379,000 |
| Risk-weighted assets | 46,999,000 | 45,294,000 | 46,302,000 | 48,565,000 |