Call reports 2008
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2008
What DREAM FIRST BANK, NATIONAL ASSOCIATION 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 | 218,223,000 | 210,183,000 | 208,239,000 | 214,591,000 |
| Total loans | 131,259,000 | 137,322,000 | 136,063,000 | 135,998,000 |
| Allowance for loan losses | 1,642,000 | 1,742,000 | 1,710,000 | 2,247,000 |
| Securities available for sale | 50,990,000 | 47,149,000 | 45,556,000 | 50,274,000 |
| Securities held to maturity | 10,675,000 | 10,257,000 | 10,603,000 | 13,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,610,000 | 174,586,000 | 174,127,000 | 175,631,000 |
| Interest-bearing deposits | 170,237,000 | 159,202,000 | 158,239,000 | 157,687,000 |
| Noninterest-bearing deposits | 16,373,000 | 15,384,000 | 15,888,000 | 17,944,000 |
| Equity capital | 20,404,000 | 19,868,000 | 18,128,000 | 23,084,000 |
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 | 3,167,000 | 6,504,000 | 9,770,000 | 12,958,000 |
| Interest expense | 1,545,000 | 3,072,000 | 4,542,000 | 5,854,000 |
| Net interest income | 1,622,000 | 3,432,000 | 5,228,000 | 7,104,000 |
| Noninterest income | 135,000 | 329,000 | 589,000 | 813,000 |
| Noninterest expense | 994,000 | 2,322,000 | 3,694,000 | 4,923,000 |
| Provision for loan losses | 60,000 | 160,000 | 160,000 | 695,000 |
| Pretax income | 703,000 | 1,279,000 | 1,963,000 | 2,293,000 |
| Income tax | 235,000 | 400,000 | 611,000 | 677,000 |
| Net income | 468,000 | 879,000 | 1,352,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,785,000 | 16,997,000 | 17,270,000 | 19,434,000 |
| Total capital | 18,502,000 | 18,814,000 | 19,055,000 | 21,553,000 |
| Risk-weighted assets | 158,872,000 | 162,422,000 | 157,788,000 | 169,353,000 |
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