Call reports 2007
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2007
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,167,000 | 122,201,000 | 134,278,000 | 144,598,000 |
| Total loans | 89,033,000 | 96,886,000 | 100,912,000 | 107,891,000 |
| Allowance for loan losses | 1,528,000 | 1,531,000 | 1,565,000 | 1,587,000 |
| Securities available for sale | 18,196,000 | 17,895,000 | 26,133,000 | 29,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,681,000 | 99,376,000 | 99,659,000 | 114,248,000 |
| Interest-bearing deposits | 81,350,000 | 88,907,000 | 88,056,000 | 100,949,000 |
| Noninterest-bearing deposits | 10,331,000 | 10,469,000 | 11,603,000 | 13,299,000 |
| Equity capital | 10,154,000 | 10,204,000 | 10,485,000 | 11,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 4,216,000 | 6,683,000 | 9,282,000 |
| Interest expense | 966,000 | 2,069,000 | 3,247,000 | 4,563,000 |
| Net interest income | 1,058,000 | 2,147,000 | 3,436,000 | 4,719,000 |
| Noninterest income | 84,000 | 200,000 | 272,000 | 350,000 |
| Noninterest expense | 659,000 | 1,307,000 | 2,057,000 | 2,877,000 |
| Provision for loan losses | 20,000 | 31,000 | 64,000 | 95,000 |
| Pretax income | 460,000 | 1,006,000 | 1,584,000 | 2,100,000 |
| Income tax | 148,000 | 340,000 | 537,000 | 713,000 |
| Net income | 312,000 | 666,000 | 1,047,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,079,000 | 10,258,000 | 10,464,000 | 11,628,000 |
| Total capital | 11,250,000 | 11,542,000 | 11,881,000 | 13,128,000 |
| Risk-weighted assets | 93,255,000 | 102,434,000 | 113,128,000 | 119,812,000 |
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