Call reports 2024
DREAM FIRST BANK, NATIONAL ASSOCIATION — 2024
What DREAM FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 636,012,000 | 643,150,000 | 659,403,000 | 689,651,000 |
| Total loans | 497,025,000 | 499,124,000 | 517,008,000 | 543,387,000 |
| Allowance for loan losses | 8,637,000 | 8,620,000 | 8,670,000 | 8,618,000 |
| Securities available for sale | 95,348,000 | 95,545,000 | 93,785,000 | 94,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 572,977,000 | 579,697,000 | 591,404,000 | 622,042,000 |
| Interest-bearing deposits | 458,420,000 | 466,647,000 | 485,420,000 | 509,343,000 |
| Noninterest-bearing deposits | 114,557,000 | 113,050,000 | 105,984,000 | 112,699,000 |
| Equity capital | 58,129,000 | 60,004,000 | 63,590,000 | 63,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 10,475,000 | 21,215,000 | 32,179,000 | 43,904,000 |
| Interest expense | 3,701,000 | 7,627,000 | 11,655,000 | 15,804,000 |
| Net interest income | 6,774,000 | 13,588,000 | 20,524,000 | 28,100,000 |
| Noninterest income | 612,000 | 1,456,000 | 2,146,000 | 2,886,000 |
| Noninterest expense | 4,625,000 | 9,849,000 | 14,795,000 | 20,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,770,000 | 5,203,000 | 7,882,000 | 10,816,000 |
| Income tax | 644,000 | 1,210,000 | 1,837,000 | 2,535,000 |
| Net income | 2,126,000 | 3,993,000 | 6,045,000 | 8,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,407,000 | 61,558,000 | 63,877,000 | 65,561,000 |
| Total capital | 65,694,000 | 67,950,000 | 70,809,000 | 72,510,000 |
| Risk-weighted assets | 500,549,000 | 510,067,000 | 552,772,000 | 554,186,000 |