Call reports 2015
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2015
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 246,509,000 | 243,322,000 | 245,258,000 | 257,581,000 |
| Total loans | 176,382,000 | 176,239,000 | 175,985,000 | 185,095,000 |
| Allowance for loan losses | 1,534,000 | 1,667,000 | 1,802,000 | 2,039,000 |
| Securities available for sale | 54,261,000 | 53,735,000 | 55,666,000 | 55,594,000 |
| Securities held to maturity | 983,000 | 940,000 | 880,000 | 835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,175,000 | 209,192,000 | 206,037,000 | 226,017,000 |
| Interest-bearing deposits | 182,111,000 | 184,907,000 | 181,000,000 | 195,357,000 |
| Noninterest-bearing deposits | 34,064,000 | 24,285,000 | 25,037,000 | 30,660,000 |
| Equity capital | 26,973,000 | 27,031,000 | 27,684,000 | 28,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,830,000 | 5,836,000 | 8,816,000 | 11,727,000 |
| Interest expense | 314,000 | 640,000 | 962,000 | 1,266,000 |
| Net interest income | 2,516,000 | 5,196,000 | 7,854,000 | 10,461,000 |
| Noninterest income | 305,000 | 686,000 | 993,000 | 1,290,000 |
| Noninterest expense | 1,584,000 | 3,183,000 | 4,968,000 | 6,744,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,087,000 | 2,414,000 | 3,443,000 | 4,419,000 |
| Income tax | 319,000 | 736,000 | 1,027,000 | 1,303,000 |
| Net income | 768,000 | 1,678,000 | 2,416,000 | 3,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,806,000 | 24,715,000 | 25,029,000 | 25,304,000 |
| Total capital | 25,415,000 | 26,457,000 | 26,906,000 | 27,418,000 |
| Risk-weighted assets | 191,360,000 | 191,455,000 | 189,442,000 | 200,359,000 |