Call reports 2016
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2016
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 266,909,000 | 283,975,000 | 296,914,000 | 309,701,000 |
| Total loans | 199,841,000 | 219,574,000 | 230,664,000 | 246,293,000 |
| Allowance for loan losses | 2,175,000 | 2,378,000 | 2,618,000 | 3,070,000 |
| Securities available for sale | 54,415,000 | 50,725,000 | 49,670,000 | 46,511,000 |
| Securities held to maturity | 778,000 | 727,000 | 695,000 | 644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,328,000 | 236,761,000 | 237,333,000 | 272,560,000 |
| Interest-bearing deposits | 186,395,000 | 201,887,000 | 198,000,000 | 226,440,000 |
| Noninterest-bearing deposits | 41,933,000 | 34,874,000 | 39,333,000 | 46,120,000 |
| Equity capital | 28,720,000 | 30,149,000 | 30,950,000 | 30,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,149,000 | 6,833,000 | 10,407,000 | 14,248,000 |
| Interest expense | 323,000 | 685,000 | 1,072,000 | 1,466,000 |
| Net interest income | 2,826,000 | 6,148,000 | 9,335,000 | 12,782,000 |
| Noninterest income | 257,000 | 539,000 | 1,073,000 | 1,415,000 |
| Noninterest expense | 1,690,000 | 3,455,000 | 5,297,000 | 7,248,000 |
| Provision for loan losses | 135,000 | 345,000 | 585,000 | 1,105,000 |
| Pretax income | 1,258,000 | 3,067,000 | 4,735,000 | 6,073,000 |
| Income tax | 381,000 | 966,000 | 1,504,000 | 1,913,000 |
| Net income | 877,000 | 2,101,000 | 3,231,000 | 4,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,756,000 | 26,555,000 | 27,684,000 | 28,614,000 |
| Total capital | 28,006,000 | 29,008,000 | 30,377,000 | 31,759,000 |
| Risk-weighted assets | 219,460,000 | 231,721,000 | 246,776,000 | 255,197,000 |