Call reports 2006
BANK OF DWIGHT — 2006
What BANK OF DWIGHT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,246,000 | 47,851,000 | 48,240,000 | 48,505,000 |
| Total loans | 24,522,000 | 25,353,000 | 25,638,000 | 26,310,000 |
| Allowance for loan losses | 563,000 | 559,000 | 559,000 | 500,000 |
| Securities available for sale | 21,098,000 | 20,605,000 | 20,790,000 | 20,495,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,461,000 | 40,202,000 | 42,582,000 | 42,392,000 |
| Interest-bearing deposits | 40,839,000 | 37,675,000 | 39,876,000 | 39,734,000 |
| Noninterest-bearing deposits | 2,622,000 | 2,527,000 | 2,706,000 | 2,658,000 |
| Equity capital | 4,619,000 | 4,524,000 | 4,781,000 | 4,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 653,000 | 1,337,000 | 2,020,000 | 2,710,000 |
| Interest expense | 292,000 | 618,000 | 979,000 | 1,356,000 |
| Net interest income | 361,000 | 719,000 | 1,041,000 | 1,354,000 |
| Noninterest income | 24,000 | 48,000 | 92,000 | 112,000 |
| Noninterest expense | 223,000 | 444,000 | 667,000 | 850,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 0 |
| Pretax income | 162,000 | 323,000 | 458,000 | 615,000 |
| Income tax | 51,000 | 91,000 | 136,000 | 163,000 |
| Net income | 111,000 | 232,000 | 322,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,754,000 | 4,826,000 | 4,871,000 | 4,956,000 |
| Total capital | 5,095,000 | 5,171,000 | 5,218,000 | 5,310,000 |
| Risk-weighted assets | 27,304,000 | 27,390,000 | 27,562,000 | 28,152,000 |