Call reports 2010
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2010
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 186,034,000 | 183,463,000 | 177,642,000 | 172,165,000 |
| Total loans | 109,338,000 | 109,224,000 | 110,863,000 | 108,503,000 |
| Allowance for loan losses | 1,805,000 | 1,408,000 | 1,425,000 | 1,475,000 |
| Securities available for sale | 53,069,000 | 46,760,000 | 41,401,000 | 42,038,000 |
| Securities held to maturity | 4,041,000 | 3,517,000 | 2,620,000 | 2,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,991,000 | 157,125,000 | 150,792,000 | 144,976,000 |
| Interest-bearing deposits | 145,637,000 | 144,334,000 | 137,447,000 | 129,125,000 |
| Noninterest-bearing deposits | 13,354,000 | 12,791,000 | 13,345,000 | 15,851,000 |
| Equity capital | 19,264,000 | 20,038,000 | 20,328,000 | 20,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,479,000 | 4,917,000 | 7,208,000 | 9,412,000 |
| Interest expense | 887,000 | 1,679,000 | 2,412,000 | 3,048,000 |
| Net interest income | 1,592,000 | 3,238,000 | 4,796,000 | 6,364,000 |
| Noninterest income | 218,000 | 352,000 | 223,000 | 588,000 |
| Noninterest expense | 1,350,000 | 2,888,000 | 4,334,000 | 5,755,000 |
| Provision for loan losses | 130,000 | 430,000 | 1,330,000 | 1,380,000 |
| Pretax income | -2,093,000 | -3,879,000 | -6,894,000 | -6,455,000 |
| Income tax | -806,000 | -1,532,000 | -2,692,000 | -2,583,000 |
| Net income | -1,287,000 | -2,347,000 | -4,202,000 | -3,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,348,000 | 17,316,000 | 16,089,000 | 16,445,000 |
| Total capital | 20,040,000 | 18,799,000 | 17,589,000 | 17,931,000 |
| Risk-weighted assets | 156,625,000 | 128,246,000 | 122,889,000 | 118,811,000 |
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