Call reports 2022
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2022
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 447,793,000 | 444,419,000 | 450,651,000 | 464,814,000 |
| Total loans | 307,040,000 | 328,858,000 | 336,237,000 | 348,856,000 |
| Allowance for loan losses | 6,900,000 | 6,892,000 | 6,953,000 | 8,039,000 |
| Securities available for sale | 88,220,000 | 87,352,000 | 80,919,000 | 80,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,199,000 | 389,790,000 | 381,689,000 | 398,052,000 |
| Interest-bearing deposits | 291,763,000 | 288,867,000 | 275,354,000 | 296,464,000 |
| Noninterest-bearing deposits | 109,436,000 | 100,923,000 | 106,335,000 | 101,588,000 |
| Equity capital | 44,711,000 | 43,566,000 | 42,799,000 | 44,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,597,000 | 9,634,000 | 15,215,000 | 21,329,000 |
| Interest expense | 387,000 | 798,000 | 1,333,000 | 2,319,000 |
| Net interest income | 4,210,000 | 8,836,000 | 13,882,000 | 19,010,000 |
| Noninterest income | 569,000 | 1,462,000 | 1,947,000 | 2,446,000 |
| Noninterest expense | 2,905,000 | 6,082,000 | 9,373,000 | 12,936,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,871,000 | 4,212,000 | 6,256,000 | 8,324,000 |
| Income tax | 435,000 | 982,000 | 1,425,000 | 1,923,000 |
| Net income | 1,436,000 | 3,230,000 | 4,831,000 | 6,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,778,000 | 46,672,000 | 48,274,000 | 49,394,000 |
| Total capital | 49,789,000 | 50,961,000 | 52,670,000 | 54,005,000 |
| Risk-weighted assets | 317,909,000 | 340,426,000 | 349,080,000 | 365,341,000 |