Call reports 2013
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2013
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 207,003,000 | 199,728,000 | 208,696,000 | 214,969,000 |
| Total loans | 141,812,000 | 140,294,000 | 146,181,000 | 150,156,000 |
| Allowance for loan losses | 321,000 | 571,000 | 699,000 | 834,000 |
| Securities available for sale | 44,308,000 | 45,118,000 | 47,008,000 | 49,835,000 |
| Securities held to maturity | 1,392,000 | 1,323,000 | 1,234,000 | 1,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,903,000 | 171,846,000 | 177,153,000 | 180,869,000 |
| Interest-bearing deposits | 151,591,000 | 146,463,000 | 152,686,000 | 156,359,000 |
| Noninterest-bearing deposits | 28,312,000 | 25,383,000 | 24,467,000 | 24,510,000 |
| Equity capital | 24,024,000 | 23,575,000 | 23,815,000 | 23,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,688,000 | 7,062,000 | 9,479,000 |
| Interest expense | 288,000 | 557,000 | 831,000 | 1,104,000 |
| Net interest income | 2,024,000 | 4,131,000 | 6,231,000 | 8,375,000 |
| Noninterest income | 587,000 | 1,111,000 | 1,472,000 | 1,760,000 |
| Noninterest expense | 1,437,000 | 2,951,000 | 4,455,000 | 6,036,000 |
| Provision for loan losses | 320,000 | 570,000 | 735,000 | 870,000 |
| Pretax income | 864,000 | 1,731,000 | 2,501,000 | 3,148,000 |
| Income tax | 263,000 | 521,000 | 746,000 | 917,000 |
| Net income | 601,000 | 1,210,000 | 1,755,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,984,000 | 22,268,000 | 22,488,000 | 22,639,000 |
| Total capital | 22,380,000 | 22,914,000 | 23,262,000 | 23,548,000 |
| Risk-weighted assets | 149,335,000 | 152,280,000 | 156,285,000 | 163,798,000 |
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