Call reports 2008
BANK OF DWIGHT — 2008
What BANK OF DWIGHT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 48,532,000 | 47,752,000 | 47,140,000 | 49,801,000 |
| Total loans | 27,876,000 | 28,403,000 | 27,517,000 | 27,123,000 |
| Allowance for loan losses | 410,000 | 410,000 | 423,000 | 472,000 |
| Securities available for sale | 18,444,000 | 17,378,000 | 16,900,000 | 16,425,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,680,000 | 40,729,000 | 41,535,000 | 44,358,000 |
| Interest-bearing deposits | 38,838,000 | 37,646,000 | 38,837,000 | 41,459,000 |
| Noninterest-bearing deposits | 2,842,000 | 3,083,000 | 2,698,000 | 2,899,000 |
| Equity capital | 5,327,000 | 5,130,000 | 5,271,000 | 5,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,415,000 | 2,092,000 | 2,741,000 |
| Interest expense | 374,000 | 698,000 | 990,000 | 1,267,000 |
| Net interest income | 339,000 | 717,000 | 1,102,000 | 1,474,000 |
| Noninterest income | 31,000 | 59,000 | 89,000 | 123,000 |
| Noninterest expense | 237,000 | 491,000 | 739,000 | 973,000 |
| Provision for loan losses | 15,000 | 30,000 | 52,000 | 555,000 |
| Pretax income | 141,000 | 285,000 | 430,000 | 99,000 |
| Income tax | 39,000 | 85,000 | 120,000 | -22,000 |
| Net income | 102,000 | 200,000 | 310,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,024,000 | 5,059,000 | 5,108,000 | 4,806,000 |
| Total capital | 5,392,000 | 5,434,000 | 5,473,000 | 5,172,000 |
| Risk-weighted assets | 29,428,000 | 30,003,000 | 29,113,000 | 29,182,000 |