Call reports 2018
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2018
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 324,676,000 | 336,872,000 | 346,064,000 | 341,336,000 |
| Total loans | 260,716,000 | 270,421,000 | 278,891,000 | 273,213,000 |
| Allowance for loan losses | 4,549,000 | 4,907,000 | 5,207,000 | 5,511,000 |
| Securities available for sale | 39,875,000 | 43,524,000 | 41,643,000 | 41,117,000 |
| Securities held to maturity | 30,000 | 29,000 | 25,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,803,000 | 277,912,000 | 280,922,000 | 300,931,000 |
| Interest-bearing deposits | 237,401,000 | 231,128,000 | 237,850,000 | 253,758,000 |
| Noninterest-bearing deposits | 52,402,000 | 46,784,000 | 43,072,000 | 47,173,000 |
| Equity capital | 34,081,000 | 34,856,000 | 35,533,000 | 36,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,960,000 | 8,293,000 | 12,972,000 | 17,499,000 |
| Interest expense | 507,000 | 1,093,000 | 1,806,000 | 2,602,000 |
| Net interest income | 3,453,000 | 7,200,000 | 11,166,000 | 14,897,000 |
| Noninterest income | 327,000 | 711,000 | 1,082,000 | 1,507,000 |
| Noninterest expense | 2,022,000 | 4,201,000 | 6,454,000 | 8,814,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,458,000 | 3,110,000 | 4,894,000 | 6,390,000 |
| Income tax | 324,000 | 686,000 | 1,085,000 | 1,414,000 |
| Net income | 1,134,000 | 2,424,000 | 3,809,000 | 4,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,826,000 | 32,665,000 | 33,621,000 | 34,317,000 |
| Total capital | 35,188,000 | 36,189,000 | 37,250,000 | 37,883,000 |
| Risk-weighted assets | 267,707,000 | 280,458,000 | 288,662,000 | 283,288,000 |