Call reports 2004
BANK OF DWIGHT — 2004
What BANK OF DWIGHT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 46,739,000 | 46,084,000 | 43,895,000 | 46,217,000 |
| Total loans | 20,874,000 | 21,917,000 | 21,092,000 | 21,387,000 |
| Allowance for loan losses | 592,000 | 602,000 | 592,000 | 552,000 |
| Securities available for sale | 24,315,000 | 22,110,000 | 19,345,000 | 20,744,000 |
| Securities held to maturity | 261,000 | 261,000 | 260,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,188,000 | 38,886,000 | 38,862,000 | 41,298,000 |
| Interest-bearing deposits | 36,648,000 | 36,495,000 | 36,490,000 | 39,127,000 |
| Noninterest-bearing deposits | 2,540,000 | 2,391,000 | 2,372,000 | 2,171,000 |
| Equity capital | 4,714,000 | 4,364,000 | 4,707,000 | 4,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,189,000 | 1,769,000 | 2,341,000 |
| Interest expense | 192,000 | 386,000 | 573,000 | 768,000 |
| Net interest income | 413,000 | 803,000 | 1,196,000 | 1,573,000 |
| Noninterest income | 31,000 | 52,000 | 78,000 | 101,000 |
| Noninterest expense | 221,000 | 438,000 | 659,000 | 894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 420,000 | 584,000 | 749,000 |
| Income tax | 73,000 | 133,000 | 191,000 | 268,000 |
| Net income | 153,000 | 287,000 | 393,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,213,000 | 4,293,000 | 4,353,000 | 4,396,000 |
| Total capital | 4,497,000 | 4,584,000 | 4,636,000 | 4,692,000 |
| Risk-weighted assets | 22,384,000 | 22,985,000 | 22,357,000 | 23,419,000 |