Call reports 2003
DAYSPRING BANK — 2003
What DAYSPRING BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 143,711,000 | 149,017,000 | 147,344,000 | 147,779,000 |
| Total loans | 101,310,000 | 103,651,000 | 103,899,000 | 97,588,000 |
| Allowance for loan losses | 1,688,000 | 2,452,000 | 2,823,000 | 2,654,000 |
| Securities available for sale | 28,476,000 | 31,467,000 | 27,685,000 | 34,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,827,000 | 91,475,000 | 94,994,000 | 94,807,000 |
| Interest-bearing deposits | 81,272,000 | 78,283,000 | 88,092,000 | 87,077,000 |
| Noninterest-bearing deposits | 7,555,000 | 13,192,000 | 6,902,000 | 7,730,000 |
| Equity capital | 17,133,000 | 17,325,000 | 17,108,000 | 17,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,056,000 | 4,154,000 | 6,211,000 | 8,322,000 |
| Interest expense | 839,000 | 1,675,000 | 2,496,000 | 3,284,000 |
| Net interest income | 1,217,000 | 2,479,000 | 3,715,000 | 5,038,000 |
| Noninterest income | 192,000 | 503,000 | 779,000 | 1,074,000 |
| Noninterest expense | 582,000 | 1,290,000 | 1,948,000 | 2,742,000 |
| Provision for loan losses | 995,000 | 1,795,000 | 2,395,000 | 2,422,000 |
| Pretax income | -38,000 | 102,000 | 362,000 | 1,161,000 |
| Income tax | -38,000 | -21,000 | 35,000 | 262,000 |
| Net income | 0 | 123,000 | 327,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,008,000 | 12,120,000 | 12,136,000 | 12,708,000 |
| Total capital | 13,358,000 | 13,526,000 | 13,557,000 | 14,067,000 |
| Risk-weighted assets | 107,644,000 | 111,416,000 | 112,281,000 | 107,359,000 |