Call reports 2009
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2009
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 212,043,000 | 199,825,000 | 197,443,000 | 195,158,000 |
| Total loans | 129,234,000 | 124,567,000 | 119,850,000 | 114,674,000 |
| Allowance for loan losses | 2,573,000 | 2,731,000 | 1,998,000 | 2,281,000 |
| Securities available for sale | 51,819,000 | 48,883,000 | 51,577,000 | 52,921,000 |
| Securities held to maturity | 12,781,000 | 12,298,000 | 9,082,000 | 5,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,180,000 | 170,484,000 | 165,957,000 | 163,480,000 |
| Interest-bearing deposits | 162,033,000 | 157,169,000 | 153,134,000 | 149,576,000 |
| Noninterest-bearing deposits | 15,147,000 | 13,315,000 | 12,823,000 | 13,904,000 |
| Equity capital | 22,283,000 | 20,761,000 | 22,532,000 | 19,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,742,000 | 8,668,000 | 11,153,000 |
| Interest expense | 1,168,000 | 2,258,000 | 3,262,000 | 4,288,000 |
| Net interest income | 1,624,000 | 3,484,000 | 5,406,000 | 6,865,000 |
| Noninterest income | 251,000 | 291,000 | 535,000 | 882,000 |
| Noninterest expense | 1,411,000 | 2,868,000 | 4,306,000 | 5,662,000 |
| Provision for loan losses | 325,000 | 1,175,000 | 1,575,000 | 2,675,000 |
| Pretax income | 165,000 | -936,000 | -928,000 | -3,391,000 |
| Income tax | 7,000 | -452,000 | -496,000 | -1,456,000 |
| Net income | 158,000 | -484,000 | -432,000 | -1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,619,000 | 19,005,000 | 21,083,000 | 19,608,000 |
| Total capital | 21,877,000 | 21,042,000 | 23,156,000 | 21,704,000 |
| Risk-weighted assets | 180,220,000 | 164,672,000 | 176,058,000 | 167,393,000 |
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