Call reports 2007
BANK OF DWIGHT — 2007
What BANK OF DWIGHT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,798,000 | 48,237,000 | 48,615,000 | 49,956,000 |
| Total loans | 26,961,000 | 25,605,000 | 24,948,000 | 27,893,000 |
| Allowance for loan losses | 517,000 | 501,000 | 391,000 | 395,000 |
| Securities available for sale | 20,357,000 | 19,924,000 | 19,535,000 | 20,128,000 |
| Securities held to maturity | 75,000 | 75,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,187,000 | 43,271,000 | 43,308,000 | 42,492,000 |
| Interest-bearing deposits | 40,284,000 | 40,776,000 | 40,399,000 | 39,850,000 |
| Noninterest-bearing deposits | 2,903,000 | 2,495,000 | 2,909,000 | 2,642,000 |
| Equity capital | 4,979,000 | 4,842,000 | 5,040,000 | 5,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,438,000 | 2,159,000 | 2,858,000 |
| Interest expense | 387,000 | 790,000 | 1,191,000 | 1,588,000 |
| Net interest income | 333,000 | 648,000 | 968,000 | 1,270,000 |
| Noninterest income | 24,000 | 55,000 | 87,000 | 133,000 |
| Noninterest expense | 231,000 | 459,000 | 693,000 | 923,000 |
| Provision for loan losses | 18,000 | 28,000 | 38,000 | 38,000 |
| Pretax income | 108,000 | 216,000 | 324,000 | 442,000 |
| Income tax | 19,000 | 48,000 | 70,000 | 91,000 |
| Net income | 89,000 | 168,000 | 254,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,986,000 | 5,004,000 | 5,029,000 | 4,984,000 |
| Total capital | 5,346,000 | 5,354,000 | 5,373,000 | 5,357,000 |
| Risk-weighted assets | 28,682,000 | 27,835,000 | 27,461,000 | 29,846,000 |