Call reports 2004
DNB FIRST, NATIONAL ASSOCIATION — 2004
What DNB FIRST, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 420,049,000 | 435,036,000 | 433,362,000 | 441,006,000 |
| Total loans | 208,735,000 | 221,539,000 | 226,733,000 | 232,641,000 |
| Allowance for loan losses | 4,490,000 | 4,479,000 | 4,444,000 | 4,436,000 |
| Securities available for sale | 120,419,000 | 143,551,000 | 136,740,000 | 132,288,000 |
| Securities held to maturity | 41,781,000 | 37,490,000 | 35,660,000 | 32,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,339,000 | 305,822,000 | 305,335,000 | 323,618,000 |
| Interest-bearing deposits | 248,183,000 | 253,949,000 | 256,955,000 | 269,731,000 |
| Noninterest-bearing deposits | 55,156,000 | 51,873,000 | 48,380,000 | 53,887,000 |
| Equity capital | 30,432,000 | 28,964,000 | 30,811,000 | 29,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,883,000 | 9,784,000 | 14,976,000 | 20,232,000 |
| Interest expense | 1,620,000 | 3,174,000 | 4,841,000 | 6,555,000 |
| Net interest income | 3,263,000 | 6,610,000 | 10,135,000 | 13,677,000 |
| Noninterest income | 741,000 | 1,632,000 | 2,338,000 | 2,956,000 |
| Noninterest expense | 3,163,000 | 6,371,000 | 9,644,000 | 13,186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 887,000 | 1,848,000 | 2,807,000 | 1,082,000 |
| Income tax | 154,000 | 339,000 | 500,000 | 504,000 |
| Net income | 733,000 | 1,509,000 | 2,307,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,547,000 | 29,713,000 | 30,159,000 | 29,316,000 |
| Total capital | 31,777,000 | 33,029,000 | 33,527,000 | 32,750,000 |
| Risk-weighted assets | 257,172,000 | 264,105,000 | 268,237,000 | 273,680,000 |