Call reports 2017
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2017
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 310,169,000 | 328,808,000 | 329,051,000 | 327,542,000 |
| Total loans | 248,157,000 | 263,073,000 | 264,548,000 | 264,549,000 |
| Allowance for loan losses | 3,419,000 | 3,758,000 | 4,056,000 | 4,267,000 |
| Securities available for sale | 48,023,000 | 46,333,000 | 44,162,000 | 42,087,000 |
| Securities held to maturity | 594,000 | 47,000 | 39,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,230,000 | 270,161,000 | 267,865,000 | 290,298,000 |
| Interest-bearing deposits | 229,213,000 | 226,221,000 | 223,352,000 | 243,881,000 |
| Noninterest-bearing deposits | 43,017,000 | 43,940,000 | 44,513,000 | 46,417,000 |
| Equity capital | 31,577,000 | 32,661,000 | 33,256,000 | 33,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,850,000 | 7,876,000 | 11,996,000 | 16,507,000 |
| Interest expense | 425,000 | 871,000 | 1,371,000 | 1,912,000 |
| Net interest income | 3,425,000 | 7,005,000 | 10,625,000 | 14,595,000 |
| Noninterest income | 268,000 | 629,000 | 969,000 | 1,330,000 |
| Noninterest expense | 1,922,000 | 3,874,000 | 6,039,000 | 8,229,000 |
| Provision for loan losses | 350,000 | 700,000 | 1,000,000 | 1,300,000 |
| Pretax income | 1,416,000 | 3,281,000 | 4,782,000 | 6,617,000 |
| Income tax | 440,000 | 1,047,000 | 1,525,000 | 2,389,000 |
| Net income | 976,000 | 2,234,000 | 3,257,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,163,000 | 29,998,000 | 30,596,000 | 31,142,000 |
| Total capital | 32,323,000 | 33,409,000 | 34,033,000 | 34,585,000 |
| Risk-weighted assets | 252,521,000 | 272,460,000 | 274,245,000 | 274,660,000 |