Call reports 2008
DNB FIRST, NATIONAL ASSOCIATION — 2008
What DNB FIRST, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 541,259,000 | 524,858,000 | 551,575,000 | 534,358,000 |
| Total loans | 305,904,000 | 318,821,000 | 342,898,000 | 336,454,000 |
| Allowance for loan losses | 3,926,000 | 4,222,000 | 4,791,000 | 4,585,000 |
| Securities available for sale | 154,157,000 | 146,752,000 | 108,890,000 | 60,645,000 |
| Securities held to maturity | 19,873,000 | 18,965,000 | 61,586,000 | 59,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,691,000 | 404,054,000 | 422,876,000 | 409,021,000 |
| Interest-bearing deposits | 338,453,000 | 358,913,000 | 375,555,000 | 368,429,000 |
| Noninterest-bearing deposits | 58,238,000 | 45,141,000 | 47,321,000 | 40,592,000 |
| Equity capital | 42,687,000 | 39,267,000 | 39,768,000 | 38,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,272,000 | 14,154,000 | 21,350,000 | 28,259,000 |
| Interest expense | 3,545,000 | 6,442,000 | 9,491,000 | 12,419,000 |
| Net interest income | 3,727,000 | 7,712,000 | 11,859,000 | 15,840,000 |
| Noninterest income | 943,000 | 1,851,000 | 2,725,000 | 3,438,000 |
| Noninterest expense | 4,193,000 | 8,425,000 | 12,457,000 | 16,721,000 |
| Provision for loan losses | 60,000 | 514,000 | 1,241,000 | 2,018,000 |
| Pretax income | 673,000 | 1,362,000 | 1,651,000 | 1,502,000 |
| Income tax | 100,000 | 205,000 | 140,000 | 65,000 |
| Net income | 573,000 | 1,157,000 | 1,511,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,949,000 | 40,857,000 | 40,885,000 | 40,654,000 |
| Total capital | 44,946,000 | 45,135,000 | 45,774,000 | 45,368,000 |
| Risk-weighted assets | 344,916,000 | 363,131,000 | 392,248,000 | 377,085,000 |