Call reports 2003
DNB FIRST, NATIONAL ASSOCIATION — 2003
What DNB FIRST, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 399,537,000 | 400,295,000 | 421,123,000 | 407,654,000 |
| Total loans | 179,465,000 | 184,765,000 | 189,139,000 | 203,553,000 |
| Allowance for loan losses | 4,472,000 | 4,583,000 | 4,572,000 | 4,559,000 |
| Securities available for sale | 171,416,000 | 136,043,000 | 145,716,000 | 122,237,000 |
| Securities held to maturity | 12,373,000 | 46,589,000 | 51,858,000 | 45,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,018,000 | 288,390,000 | 281,371,000 | 292,535,000 |
| Interest-bearing deposits | 241,915,000 | 237,424,000 | 227,750,000 | 239,648,000 |
| Noninterest-bearing deposits | 49,103,000 | 50,966,000 | 53,621,000 | 52,887,000 |
| Equity capital | 28,520,000 | 28,100,000 | 28,277,000 | 29,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,729,000 | 9,324,000 | 14,059,000 | 18,893,000 |
| Interest expense | 1,990,000 | 3,823,000 | 5,525,000 | 7,158,000 |
| Net interest income | 2,739,000 | 5,501,000 | 8,534,000 | 11,735,000 |
| Noninterest income | 675,000 | 1,382,000 | 2,203,000 | 2,904,000 |
| Noninterest expense | 2,761,000 | 5,761,000 | 9,455,000 | 12,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 652,000 | 1,251,000 | 945,000 | 1,659,000 |
| Income tax | 94,000 | 197,000 | -75,000 | -10,000 |
| Net income | 558,000 | 1,054,000 | 1,020,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,738,000 | 27,561,000 | 27,378,000 | 28,206,000 |
| Total capital | 31,922,000 | 30,791,000 | 30,575,000 | 31,459,000 |
| Risk-weighted assets | 253,444,000 | 257,059,000 | 254,385,000 | 259,149,000 |