Call reports 2007
DNB FIRST, NATIONAL ASSOCIATION — 2007
What DNB FIRST, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 498,152,000 | 506,290,000 | 513,395,000 | 545,529,000 |
| Total loans | 330,242,000 | 322,247,000 | 320,232,000 | 309,104,000 |
| Allowance for loan losses | 4,249,000 | 3,940,000 | 3,917,000 | 3,891,000 |
| Securities available for sale | 111,782,000 | 115,005,000 | 129,577,000 | 152,542,000 |
| Securities held to maturity | 18,516,000 | 17,088,000 | 15,215,000 | 14,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,289,000 | 389,236,000 | 397,882,000 | 413,719,000 |
| Interest-bearing deposits | 325,942,000 | 332,387,000 | 350,668,000 | 365,404,000 |
| Noninterest-bearing deposits | 48,347,000 | 56,849,000 | 47,214,000 | 48,315,000 |
| Equity capital | 39,962,000 | 39,148,000 | 39,538,000 | 41,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,471,000 | 14,956,000 | 22,490,000 | 30,236,000 |
| Interest expense | 3,518,000 | 7,048,000 | 10,711,000 | 14,687,000 |
| Net interest income | 3,953,000 | 7,908,000 | 11,779,000 | 15,549,000 |
| Noninterest income | 865,000 | 1,769,000 | 2,651,000 | 3,607,000 |
| Noninterest expense | 4,130,000 | 8,354,000 | 12,508,000 | 16,587,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 791,000 | 1,426,000 | 2,203,000 | 2,904,000 |
| Income tax | 74,000 | 148,000 | 269,000 | 372,000 |
| Net income | 717,000 | 1,278,000 | 1,934,000 | 2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,742,000 | 40,992,000 | 40,340,000 | 40,623,000 |
| Total capital | 44,963,000 | 44,988,000 | 44,325,000 | 44,581,000 |
| Risk-weighted assets | 346,788,000 | 339,087,000 | 340,641,000 | 342,320,000 |