Call reports 2005
BANK OF DWIGHT — 2005
What BANK OF DWIGHT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,047,000 | 45,369,000 | 47,200,000 | 48,327,000 |
| Total loans | 21,923,000 | 22,729,000 | 22,219,000 | 23,074,000 |
| Allowance for loan losses | 547,000 | 547,000 | 553,000 | 553,000 |
| Securities available for sale | 19,750,000 | 19,462,000 | 21,572,000 | 21,173,000 |
| Securities held to maturity | 105,000 | 105,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,301,000 | 40,402,000 | 42,289,000 | 43,533,000 |
| Interest-bearing deposits | 37,877,000 | 37,949,000 | 39,984,000 | 41,117,000 |
| Noninterest-bearing deposits | 2,424,000 | 2,453,000 | 2,305,000 | 2,416,000 |
| Equity capital | 4,565,000 | 4,734,000 | 4,714,000 | 4,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,179,000 | 1,805,000 | 2,454,000 |
| Interest expense | 210,000 | 441,000 | 703,000 | 975,000 |
| Net interest income | 381,000 | 738,000 | 1,102,000 | 1,479,000 |
| Noninterest income | 22,000 | 47,000 | 75,000 | 113,000 |
| Noninterest expense | 223,000 | 447,000 | 674,000 | 895,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 348,000 | 513,000 | 687,000 |
| Income tax | 54,000 | 95,000 | 144,000 | 226,000 |
| Net income | 127,000 | 253,000 | 369,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,482,000 | 4,564,000 | 4,634,000 | 4,698,000 |
| Total capital | 4,782,000 | 4,880,000 | 4,956,000 | 5,031,000 |
| Risk-weighted assets | 23,791,000 | 25,060,000 | 25,553,000 | 26,441,000 |