Call reports 2012
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2012
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,457,000 | 196,910,000 | 199,361,000 | 203,696,000 |
| Total loans | 122,198,000 | 131,077,000 | 136,992,000 | 139,703,000 |
| Allowance for loan losses | 1,697,000 | 1,760,000 | 1,847,000 | 1,889,000 |
| Securities available for sale | 52,329,000 | 48,875,000 | 46,333,000 | 44,584,000 |
| Securities held to maturity | 1,854,000 | 1,720,000 | 1,597,000 | 1,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,724,000 | 168,007,000 | 165,428,000 | 165,548,000 |
| Interest-bearing deposits | 138,157,000 | 141,233,000 | 141,941,000 | 141,586,000 |
| Noninterest-bearing deposits | 27,567,000 | 26,774,000 | 23,487,000 | 23,962,000 |
| Equity capital | 23,389,000 | 23,832,000 | 24,640,000 | 24,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,789,000 | 7,269,000 | 9,678,000 |
| Interest expense | 333,000 | 645,000 | 951,000 | 1,250,000 |
| Net interest income | 1,973,000 | 4,144,000 | 6,318,000 | 8,428,000 |
| Noninterest income | 239,000 | 520,000 | 820,000 | 1,124,000 |
| Noninterest expense | 1,470,000 | 3,014,000 | 4,531,000 | 6,034,000 |
| Provision for loan losses | 10,000 | 70,000 | 150,000 | 190,000 |
| Pretax income | 688,000 | 1,537,000 | 2,419,000 | 3,411,000 |
| Income tax | 198,000 | 448,000 | 715,000 | 999,000 |
| Net income | 490,000 | 1,089,000 | 1,704,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,584,000 | 19,012,000 | 19,437,000 | 19,841,000 |
| Total capital | 20,181,000 | 20,723,000 | 21,242,000 | 21,678,000 |
| Risk-weighted assets | 127,617,000 | 136,794,000 | 144,282,000 | 146,712,000 |
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