Call reports 2004
DNB NATIONAL BANK — 2004
What DNB NATIONAL BANK 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 | 42,653,000 | 43,333,000 | 43,450,000 | 44,225,000 |
| Total loans | 22,747,000 | 23,126,000 | 23,633,000 | 25,275,000 |
| Allowance for loan losses | 611,000 | 612,000 | 613,000 | 614,000 |
| Securities available for sale | 16,230,000 | 15,945,000 | 16,069,000 | 14,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,230,000 | 30,660,000 | 27,016,000 | 31,262,000 |
| Interest-bearing deposits | 23,112,000 | 22,480,000 | 19,211,000 | 21,395,000 |
| Noninterest-bearing deposits | 8,118,000 | 8,180,000 | 7,805,000 | 9,867,000 |
| Equity capital | 5,877,000 | 5,732,000 | 5,911,000 | 5,546,000 |
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 | 483,000 | 1,023,000 | 1,543,000 | 2,087,000 |
| Interest expense | 61,000 | 132,000 | 214,000 | 307,000 |
| Net interest income | 422,000 | 891,000 | 1,329,000 | 1,780,000 |
| Noninterest income | 158,000 | 302,000 | 451,000 | 604,000 |
| Noninterest expense | 445,000 | 879,000 | 1,369,000 | 1,860,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 135,000 | 314,000 | 468,000 | 581,000 |
| Income tax | 42,000 | 73,000 | 136,000 | 95,000 |
| Net income | 93,000 | 241,000 | 332,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,605,000 | 5,753,000 | 5,844,000 | 5,498,000 |
| Total capital | 6,002,000 | 6,138,000 | 6,216,000 | 5,888,000 |
| Risk-weighted assets | 31,563,000 | 30,559,000 | 29,500,000 | 30,961,000 |