Call reports 2005
DNB NATIONAL BANK — 2005
What DNB NATIONAL BANK 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 | 41,212,000 | 39,987,000 | 40,028,000 | 40,717,000 |
| Total loans | 23,645,000 | 24,125,000 | 24,566,000 | 24,813,000 |
| Allowance for loan losses | 613,000 | 634,000 | 636,000 | 636,000 |
| Securities available for sale | 13,754,000 | 12,228,000 | 11,324,000 | 11,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,846,000 | 30,989,000 | 31,528,000 | 32,743,000 |
| Interest-bearing deposits | 20,947,000 | 21,768,000 | 21,093,000 | 21,578,000 |
| Noninterest-bearing deposits | 9,899,000 | 9,221,000 | 10,435,000 | 11,165,000 |
| Equity capital | 5,359,000 | 5,741,000 | 5,849,000 | 5,564,000 |
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 | 527,000 | 1,348,000 | 1,902,000 | 2,461,000 |
| Interest expense | 97,000 | 193,000 | 294,000 | 381,000 |
| Net interest income | 430,000 | 1,155,000 | 1,608,000 | 2,080,000 |
| Noninterest income | 168,000 | 313,000 | 472,000 | 601,000 |
| Noninterest expense | 496,000 | 937,000 | 1,407,000 | 1,901,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 527,000 | 669,000 | 776,000 |
| Income tax | 6,000 | 132,000 | 155,000 | 169,000 |
| Net income | 92,000 | 395,000 | 514,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,364,000 | 5,668,000 | 5,787,000 | 5,560,000 |
| Total capital | 5,719,000 | 6,021,000 | 6,149,000 | 5,925,000 |
| Risk-weighted assets | 28,106,000 | 27,996,000 | 28,679,000 | 28,945,000 |