Call reports 2023
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2023
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 480,246,000 | 511,089,000 | 637,514,000 | 644,236,000 |
| Total loans | 362,022,000 | 398,926,000 | 477,454,000 | 494,714,000 |
| Allowance for loan losses | 8,183,000 | 8,161,000 | 9,145,000 | 9,016,000 |
| Securities available for sale | 80,336,000 | 78,933,000 | 111,671,000 | 99,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,594,000 | 454,624,000 | 581,712,000 | 570,265,000 |
| Interest-bearing deposits | 333,269,000 | 362,290,000 | 452,052,000 | 451,543,000 |
| Noninterest-bearing deposits | 97,325,000 | 92,334,000 | 129,660,000 | 118,722,000 |
| Equity capital | 46,911,000 | 48,212,000 | 51,099,000 | 56,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,869,000 | 14,638,000 | 24,409,000 | 34,647,000 |
| Interest expense | 1,377,000 | 3,738,000 | 7,231,000 | 10,949,000 |
| Net interest income | 5,492,000 | 10,900,000 | 17,178,000 | 23,698,000 |
| Noninterest income | 321,000 | 768,000 | 6,273,000 | 7,456,000 |
| Noninterest expense | 3,144,000 | 6,427,000 | 10,249,000 | 15,373,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,665,000 | 5,240,000 | 13,121,000 | 15,364,000 |
| Income tax | 631,000 | 1,247,000 | 3,135,000 | 3,641,000 |
| Net income | 2,034,000 | 3,993,000 | 9,986,000 | 11,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,978,000 | 52,388,000 | 53,943,000 | 56,112,000 |
| Total capital | 55,762,000 | 57,656,000 | 60,356,000 | 62,352,000 |
| Risk-weighted assets | 379,254,000 | 418,462,000 | 511,183,000 | 496,316,000 |