Call reports 2003
BANK OF DWIGHT — 2003
What BANK OF DWIGHT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,843,000 | 40,776,000 | 43,262,000 | 45,701,000 |
| Total loans | 18,489,000 | 18,138,000 | 18,665,000 | 19,622,000 |
| Allowance for loan losses | 481,000 | 546,000 | 581,000 | 551,000 |
| Securities available for sale | 17,171,000 | 20,993,000 | 21,412,000 | 24,200,000 |
| Securities held to maturity | 293,000 | 292,000 | 262,000 | 262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,116,000 | 35,810,000 | 38,701,000 | 40,987,000 |
| Interest-bearing deposits | 33,087,000 | 33,929,000 | 36,636,000 | 38,629,000 |
| Noninterest-bearing deposits | 2,029,000 | 1,881,000 | 2,065,000 | 2,358,000 |
| Equity capital | 4,520,000 | 4,673,000 | 4,492,000 | 4,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 533,000 | 1,058,000 | 1,571,000 | 2,130,000 |
| Interest expense | 215,000 | 421,000 | 616,000 | 811,000 |
| Net interest income | 318,000 | 637,000 | 955,000 | 1,319,000 |
| Noninterest income | 24,000 | 52,000 | 74,000 | 110,000 |
| Noninterest expense | 209,000 | 410,000 | 620,000 | 837,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 0 |
| Pretax income | 118,000 | 251,000 | 376,000 | 592,000 |
| Income tax | 24,000 | 61,000 | 88,000 | 181,000 |
| Net income | 94,000 | 190,000 | 288,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,985,000 | 4,048,000 | 4,089,000 | 4,104,000 |
| Total capital | 4,221,000 | 4,283,000 | 4,347,000 | 4,370,000 |
| Risk-weighted assets | 18,738,000 | 18,500,000 | 20,356,000 | 20,994,000 |