Call reports 2009
BANK OF DWIGHT — 2009
What BANK OF DWIGHT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,009,000 | 51,925,000 | 55,467,000 | 58,429,000 |
| Total loans | 26,716,000 | 27,596,000 | 28,105,000 | 27,419,000 |
| Allowance for loan losses | 433,000 | 454,000 | 531,000 | 501,000 |
| Securities available for sale | 16,783,000 | 19,650,000 | 21,606,000 | 22,606,000 |
| Securities held to maturity | 40,000 | 40,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,304,000 | 46,236,000 | 49,352,000 | 52,515,000 |
| Interest-bearing deposits | 40,074,000 | 43,548,000 | 46,693,000 | 48,882,000 |
| Noninterest-bearing deposits | 3,230,000 | 2,688,000 | 2,659,000 | 3,633,000 |
| Equity capital | 5,298,000 | 5,247,000 | 5,523,000 | 5,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,243,000 | 1,891,000 | 2,565,000 |
| Interest expense | 251,000 | 516,000 | 788,000 | 1,037,000 |
| Net interest income | 366,000 | 727,000 | 1,103,000 | 1,528,000 |
| Noninterest income | 34,000 | 70,000 | 104,000 | 128,000 |
| Noninterest expense | 241,000 | 500,000 | 729,000 | 941,000 |
| Provision for loan losses | 39,000 | 128,000 | 235,000 | 364,000 |
| Pretax income | 120,000 | 169,000 | 235,000 | 283,000 |
| Income tax | 26,000 | 36,000 | 43,000 | 39,000 |
| Net income | 94,000 | 133,000 | 192,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,900,000 | 4,913,000 | 4,973,000 | 5,115,000 |
| Total capital | 5,243,000 | 5,269,000 | 5,341,000 | 5,486,000 |
| Risk-weighted assets | 27,333,000 | 28,400,000 | 29,299,000 | 29,543,000 |