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DNB Financial Corporation - DNBF.OB
Summary of Financial Statistics
(Dollars in thousands, except per share data)
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Three Months Ended
December 31 |
Twelve Months Ended
December 31 |
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2007 |
2006 |
2007 |
2006 |
| EARNINGS: |
Interest income
Interest expense
Net interest income
Provision for credit losses
Non-interest income
Non-interest expense
Income before income taxes
Income tax expense
Net income
Net
income per share, diluted* |
$7,746
4,159
3,587
60
1,071
4,079
519
104
415
$0.16 |
$7,452
3,691
3,761
0
829
4,309
281
(98)
379
$0.14 |
$30,237
15,417
14,820
60
4,003
16,589
2,174
372
1,802
$0.69 |
$28,249
13,368
14,881
0
3,414
16,507
1,788
41
1,747
$0.66 |
| PERFORMANCE
RATIOS: |
Interest
rate spread
Net interest margin
Return on average equity
Return on average assets |
2.75%
2.86%
5.17%
0.31% |
3.20%
3.31%
4.82%
0.30% |
2.99%
3.09%
5.80%
0.35% |
3.16%
3.26%
5.73%
0.35% |
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December 31 |
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2007 |
2006 |
| FINANCIAL
POSITION: |
Securities
Loans & Leases
Allowance for credit losses
Total assets
Deposits
Borrowings
Stockholders' equity
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$170,909
309,342
3,890
545,840
412,920
89,877
32,635 |
$154,175
329,466
4,226
525,242
381,027
110,538
31,411 |
| EQUITY
RATIOS: |
Tier
1 leverage ratio
Risk-based capital ratio
Book value per share* |
7.77%
13.08%
$12.55 |
8.28%
13.29%
$11.94 |
* All per share amounts have been restated to reflect the 5% stock dividend paid in December 2006 and 2007. Diluted shares outstanding at December 31, 2007 and 2006 were 2,614,417 and 2,625,182 respectively.
For additional information please contact Bruce E.
Moroney, Executive Vice President and Chief Financial
Officer, at
484-359-3153.
DNB Financial Corporation’s common stock is listed
under the symbol “DNBF.OB” on the Over-The-Counter
Electronic Bulletin Board, an automated quotation service,
made available from account executives at most brokerage
firms as well as the firms listed below who are market
makers of DNB’s common stock.
THE FINANCIAL AND OTHER INFORMATION SET FORTH ON THIS
AND OTHER PAGES OF THIS WEB SITE RELATING TO DNB FINANCIAL
CORPORATION AND ITS SUBSIDIARY DNB FIRST, NATIONAL ASSOCIATION
AND THEIR AFFILIATES (COLLECTIVELY, “DNB”)
REPRESENTS ONLY A SUMMARY OF CERTAIN LIMITED INFORMATION,
MAY NOT BE CURRENT OR CONTAIN ALL MATERIAL INFORMATION,
IS NOT A PROSPECTUS, AND MAY NOT BE RELIED UPON IN CONNECTION
WITH ANY PURCHASES, OFFERS OR SALES OF DNB SECURITIES,
WHETHER MADE DIRECTLY TO, BY OR FROM DNB OR IN THE SECONDARY
MARKET, OR OTHERWISE. THE INFORMATION SET FORTH HEREIN
DOES NOT ATTEMPT TO COMPLETELY DESCRIBE OR ANALYZE THE
BUSINESS OR CONDITION, FINANCIAL OR OTHERWISE, OF DNB
OR OTHERWISE PURPORT TO DESCRIBE ANY RISKS ASSOCIATED
WITH ANY OF DNB’S SECURITIES. THE OFFERING OF
DNB SECURITIES MAY ONLY BE MADE, WHERE REQUIRED, THROUGH
AN AUTHORIZED, WRITTEN PROSPECTUS OR OFFERING STATEMENT,
PURSUANT TO ANY REQUIRED REGISTRATION OR OTHER FILINGS
WITH APPLICABLE FEDERAL AND STATE SECURITIES REGULATORY
AGENCIES.
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