Call reports 2001
DAYSPRING BANK — 2001
What DAYSPRING BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 84,713,000 | 88,256,000 | 104,176,000 | 115,474,000 |
| Total loans | 51,995,000 | 59,953,000 | 70,297,000 | 77,196,000 |
| Allowance for loan losses | 583,000 | 843,000 | 843,000 | 1,003,000 |
| Securities available for sale | 22,243,000 | 17,927,000 | 20,223,000 | 20,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,316,000 | 58,239,000 | 77,266,000 | 76,555,000 |
| Interest-bearing deposits | 56,412,000 | 54,017,000 | 73,022,000 | 69,959,000 |
| Noninterest-bearing deposits | 3,904,000 | 4,222,000 | 4,244,000 | 6,596,000 |
| Equity capital | 9,763,000 | 10,309,000 | 11,674,000 | 11,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,163,000 | 4,833,000 | 6,682,000 |
| Interest expense | 889,000 | 1,748,000 | 2,658,000 | 3,615,000 |
| Net interest income | 669,000 | 1,415,000 | 2,175,000 | 3,067,000 |
| Noninterest income | 77,000 | 278,000 | 379,000 | 583,000 |
| Noninterest expense | 336,000 | 690,000 | 1,129,000 | 1,830,000 |
| Provision for loan losses | 15,000 | 280,000 | 280,000 | 438,000 |
| Pretax income | 399,000 | 1,090,000 | 1,528,000 | 1,767,000 |
| Income tax | 111,000 | 194,000 | 322,000 | 414,000 |
| Net income | 288,000 | 896,000 | 1,206,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,414,000 | 5,997,000 | 6,574,000 | 6,767,000 |
| Total capital | 5,997,000 | 6,828,000 | 7,417,000 | 7,770,000 |
| Risk-weighted assets | 59,552,000 | 66,504,000 | 75,484,000 | 85,422,000 |