Call reports 2019
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2019
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 345,845,000 | 345,284,000 | 368,598,000 | 374,542,000 |
| Total loans | 279,626,000 | 282,862,000 | 303,749,000 | 303,837,000 |
| Allowance for loan losses | 5,813,000 | 6,512,000 | 6,819,000 | 5,719,000 |
| Securities available for sale | 40,897,000 | 38,992,000 | 37,797,000 | 41,315,000 |
| Securities held to maturity | 15,000 | 13,000 | 9,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,657,000 | 287,500,000 | 297,623,000 | 323,574,000 |
| Interest-bearing deposits | 230,291,000 | 241,236,000 | 247,971,000 | 260,920,000 |
| Noninterest-bearing deposits | 57,366,000 | 46,264,000 | 49,652,000 | 62,654,000 |
| Equity capital | 37,986,000 | 39,201,000 | 40,352,000 | 40,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,453,000 | 9,114,000 | 13,972,000 | 18,476,000 |
| Interest expense | 796,000 | 1,677,000 | 2,654,000 | 3,561,000 |
| Net interest income | 3,657,000 | 7,437,000 | 11,318,000 | 14,915,000 |
| Noninterest income | 334,000 | 671,000 | 1,120,000 | 1,671,000 |
| Noninterest expense | 2,166,000 | 4,468,000 | 6,747,000 | 9,445,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 1,525,000 | 3,480,000 | 5,231,000 | 6,494,000 |
| Income tax | 336,000 | 787,000 | 1,197,000 | 1,387,000 |
| Net income | 1,189,000 | 2,693,000 | 4,034,000 | 5,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,055,000 | 36,110,000 | 37,001,000 | 37,623,000 |
| Total capital | 38,675,000 | 39,763,000 | 40,973,000 | 41,555,000 |
| Risk-weighted assets | 287,299,000 | 289,278,000 | 314,681,000 | 312,627,000 |