Call reports 2002
DAYSPRING BANK — 2002
What DAYSPRING BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 117,151,000 | 124,326,000 | 124,397,000 | 142,000,000 |
| Total loans | 83,105,000 | 87,456,000 | 92,726,000 | 99,676,000 |
| Allowance for loan losses | 1,104,000 | 1,186,000 | 1,204,000 | 1,456,000 |
| Securities available for sale | 20,096,000 | 18,515,000 | 17,823,000 | 28,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,437,000 | 86,225,000 | 85,394,000 | 86,181,000 |
| Interest-bearing deposits | 72,778,000 | 81,464,000 | 80,897,000 | 79,685,000 |
| Noninterest-bearing deposits | 4,659,000 | 4,761,000 | 4,497,000 | 6,496,000 |
| Equity capital | 12,797,000 | 13,297,000 | 13,896,000 | 17,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,987,000 | 4,030,000 | 6,051,000 | 8,101,000 |
| Interest expense | 870,000 | 1,775,000 | 2,659,000 | 3,538,000 |
| Net interest income | 1,117,000 | 2,255,000 | 3,392,000 | 4,563,000 |
| Noninterest income | 143,000 | 366,000 | 590,000 | 836,000 |
| Noninterest expense | 556,000 | 1,158,000 | 1,774,000 | 2,408,000 |
| Provision for loan losses | 121,000 | 201,000 | 333,000 | 633,000 |
| Pretax income | 658,000 | 1,354,000 | 1,983,000 | 2,475,000 |
| Income tax | 197,000 | 402,000 | 588,000 | 727,000 |
| Net income | 461,000 | 952,000 | 1,395,000 | 1,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,920,000 | 8,312,000 | 8,755,000 | 12,208,000 |
| Total capital | 9,024,000 | 9,498,000 | 9,959,000 | 13,549,000 |
| Risk-weighted assets | 89,820,000 | 94,671,000 | 97,703,000 | 107,158,000 |