Call reports 2014
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2014
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 229,360,000 | 239,229,000 | 237,209,000 | 264,876,000 |
| Total loans | 150,327,000 | 162,487,000 | 164,752,000 | 174,177,000 |
| Allowance for loan losses | 963,000 | 1,101,000 | 1,236,000 | 1,398,000 |
| Securities available for sale | 62,031,000 | 61,132,000 | 59,342,000 | 55,834,000 |
| Securities held to maturity | 1,150,000 | 1,122,000 | 1,075,000 | 1,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,140,000 | 197,529,000 | 200,593,000 | 233,409,000 |
| Interest-bearing deposits | 172,885,000 | 170,068,000 | 174,694,000 | 203,471,000 |
| Noninterest-bearing deposits | 29,255,000 | 27,461,000 | 25,899,000 | 29,938,000 |
| Equity capital | 24,658,000 | 25,344,000 | 25,913,000 | 26,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,376,000 | 4,990,000 | 7,618,000 | 10,437,000 |
| Interest expense | 264,000 | 512,000 | 797,000 | 1,104,000 |
| Net interest income | 2,112,000 | 4,478,000 | 6,821,000 | 9,333,000 |
| Noninterest income | 263,000 | 591,000 | 960,000 | 1,293,000 |
| Noninterest expense | 1,532,000 | 3,139,000 | 4,709,000 | 6,516,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 570,000 |
| Pretax income | 656,000 | 1,613,000 | 2,617,000 | 3,547,000 |
| Income tax | 132,000 | 454,000 | 735,000 | 998,000 |
| Net income | 524,000 | 1,159,000 | 1,882,000 | 2,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,837,000 | 23,147,000 | 23,545,000 | 23,888,000 |
| Total capital | 23,875,000 | 24,323,000 | 24,856,000 | 25,361,000 |
| Risk-weighted assets | 162,944,000 | 176,478,000 | 174,531,000 | 188,272,000 |