Call reports 2005
DNB FIRST, NATIONAL ASSOCIATION — 2005
What DNB FIRST, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 430,425,000 | 453,668,000 | 457,213,000 | 474,163,000 |
| Total loans | 242,586,000 | 261,388,000 | 276,599,000 | 289,029,000 |
| Allowance for loan losses | 4,448,000 | 4,484,000 | 4,563,000 | 4,420,000 |
| Securities available for sale | 126,054,000 | 128,252,000 | 121,905,000 | 116,037,000 |
| Securities held to maturity | 31,548,000 | 29,139,000 | 27,837,000 | 26,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,571,000 | 326,014,000 | 322,303,000 | 341,284,000 |
| Interest-bearing deposits | 250,618,000 | 306,866,000 | 302,057,000 | 316,107,000 |
| Noninterest-bearing deposits | 51,953,000 | 19,148,000 | 20,246,000 | 25,177,000 |
| Equity capital | 33,447,000 | 34,507,000 | 34,515,000 | 39,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,207,000 | 10,922,000 | 17,102,000 | 23,425,000 |
| Interest expense | 1,800,000 | 3,902,000 | 6,235,000 | 8,750,000 |
| Net interest income | 3,407,000 | 7,020,000 | 10,867,000 | 14,675,000 |
| Noninterest income | 755,000 | 1,476,000 | 2,239,000 | 3,018,000 |
| Noninterest expense | 3,441,000 | 6,979,000 | 10,658,000 | 14,410,000 |
| Provision for loan losses | 15,000 | 45,000 | 120,000 | 0 |
| Pretax income | 7,000 | 812,000 | 1,666,000 | 2,621,000 |
| Income tax | -154,000 | -139,000 | -25,000 | -89,000 |
| Net income | 161,000 | 951,000 | 1,691,000 | 2,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,232,000 | 33,777,000 | 34,288,000 | 39,797,000 |
| Total capital | 36,880,000 | 37,409,000 | 38,103,000 | 43,770,000 |
| Risk-weighted assets | 279,619,000 | 289,558,000 | 304,355,000 | 317,363,000 |