Call reports 2020
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2020
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 383,414,000 | 413,747,000 | 420,926,000 | 419,503,000 |
| Total loans | 309,003,000 | 328,544,000 | 340,042,000 | 314,159,000 |
| Allowance for loan losses | 6,222,000 | 6,042,000 | 6,654,000 | 6,565,000 |
| Securities available for sale | 49,551,000 | 59,189,000 | 48,241,000 | 69,839,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,612,000 | 364,172,000 | 375,846,000 | 373,952,000 |
| Interest-bearing deposits | 285,071,000 | 290,343,000 | 305,264,000 | 297,398,000 |
| Noninterest-bearing deposits | 55,541,000 | 73,829,000 | 70,582,000 | 76,554,000 |
| Equity capital | 41,526,000 | 43,218,000 | 43,648,000 | 44,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,787,000 | 10,412,000 | 15,191,000 | 19,922,000 |
| Interest expense | 879,000 | 1,667,000 | 2,503,000 | 3,474,000 |
| Net interest income | 3,908,000 | 8,745,000 | 12,688,000 | 16,448,000 |
| Noninterest income | 545,000 | 942,000 | 1,574,000 | 2,285,000 |
| Noninterest expense | 2,380,000 | 4,853,000 | 7,363,000 | 10,117,000 |
| Provision for loan losses | 500,000 | 2,400,000 | 3,800,000 | 4,300,000 |
| Pretax income | 1,573,000 | 2,434,000 | 3,847,000 | 5,066,000 |
| Income tax | 367,000 | 558,000 | 878,000 | 1,163,000 |
| Net income | 1,206,000 | 1,876,000 | 2,969,000 | 3,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,384,000 | 39,050,000 | 39,691,000 | 40,176,000 |
| Total capital | 42,273,000 | 43,574,000 | 43,505,000 | 43,871,000 |
| Risk-weighted assets | 308,707,000 | 360,342,000 | 302,203,000 | 292,660,000 |