Call reports 2008
DNB NATIONAL BANK — 2008
What DNB NATIONAL BANK 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 | 72,816,000 | 73,895,000 | 68,346,000 | 73,839,000 |
| Total loans | 24,002,000 | 24,124,000 | 24,740,000 | 22,453,000 |
| Allowance for loan losses | 624,000 | 623,000 | 623,000 | 623,000 |
| Securities available for sale | 42,818,000 | 40,524,000 | 38,048,000 | 35,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,896,000 | 48,159,000 | 45,235,000 | 52,992,000 |
| Interest-bearing deposits | 36,752,000 | 36,908,000 | 33,318,000 | 38,487,000 |
| Noninterest-bearing deposits | 12,144,000 | 11,251,000 | 11,917,000 | 14,505,000 |
| Equity capital | 5,636,000 | 5,130,000 | 3,855,000 | 3,304,000 |
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 | 1,050,000 | 2,101,000 | 3,152,000 | 4,126,000 |
| Interest expense | 402,000 | 762,000 | 1,113,000 | 1,438,000 |
| Net interest income | 648,000 | 1,339,000 | 2,039,000 | 2,688,000 |
| Noninterest income | 170,000 | 298,000 | 457,000 | 602,000 |
| Noninterest expense | 616,000 | 1,187,000 | 1,811,000 | 2,481,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 285,000 | 557,000 | 792,000 | 916,000 |
| Income tax | 12,000 | 23,000 | 33,000 | 32,000 |
| Net income | 273,000 | 534,000 | 759,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,585,000 | 5,646,000 | 5,796,000 | 6,929,000 |
| Total capital | 6,045,000 | 6,116,000 | 6,322,000 | 7,466,000 |
| Risk-weighted assets | 36,628,000 | 37,476,000 | 41,966,000 | 42,884,000 |