Call reports 2021
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2021
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 441,304,000 | 429,547,000 | 428,405,000 | 422,250,000 |
| Total loans | 309,852,000 | 304,766,000 | 296,211,000 | 306,323,000 |
| Allowance for loan losses | 6,739,000 | 6,893,000 | 6,934,000 | 6,968,000 |
| Securities available for sale | 77,152,000 | 89,271,000 | 89,066,000 | 88,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,853,000 | 381,489,000 | 380,067,000 | 367,819,000 |
| Interest-bearing deposits | 305,671,000 | 301,340,000 | 293,314,000 | 272,809,000 |
| Noninterest-bearing deposits | 89,182,000 | 80,149,000 | 86,753,000 | 95,010,000 |
| Equity capital | 45,001,000 | 46,805,000 | 47,004,000 | 47,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,993,000 | 9,764,000 | 14,220,000 | 18,916,000 |
| Interest expense | 687,000 | 1,307,000 | 1,875,000 | 2,276,000 |
| Net interest income | 4,306,000 | 8,457,000 | 12,345,000 | 16,640,000 |
| Noninterest income | 748,000 | 1,450,000 | 2,072,000 | 2,690,000 |
| Noninterest expense | 2,594,000 | 5,357,000 | 8,251,000 | 11,190,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 2,317,000 | 4,408,000 | 6,028,000 | 8,006,000 |
| Income tax | 544,000 | 1,035,000 | 1,129,000 | 1,589,000 |
| Net income | 1,773,000 | 3,373,000 | 4,899,000 | 6,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,499,000 | 43,099,000 | 43,725,000 | 44,793,000 |
| Total capital | 45,251,000 | 43,573,000 | 47,412,000 | 48,798,000 |
| Risk-weighted assets | 297,062,000 | 292,906,000 | 291,613,000 | 317,388,000 |