Call reports 2004
DAYSPRING BANK — 2004
What DAYSPRING BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 159,723,000 | 168,466,000 | 162,333,000 | 172,123,000 |
| Total loans | 105,132,000 | 112,138,000 | 115,054,000 | 114,772,000 |
| Allowance for loan losses | 2,713,000 | 2,756,000 | 2,837,000 | 2,919,000 |
| Securities available for sale | 38,733,000 | 38,589,000 | 30,632,000 | 38,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,080,000 | 106,976,000 | 107,226,000 | 107,634,000 |
| Interest-bearing deposits | 90,876,000 | 100,094,000 | 100,711,000 | 100,538,000 |
| Noninterest-bearing deposits | 7,204,000 | 6,882,000 | 6,515,000 | 7,096,000 |
| Equity capital | 18,539,000 | 18,441,000 | 19,294,000 | 18,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,251,000 | 4,502,000 | 6,840,000 | 9,186,000 |
| Interest expense | 794,000 | 1,638,000 | 2,523,000 | 3,444,000 |
| Net interest income | 1,457,000 | 2,864,000 | 4,317,000 | 5,742,000 |
| Noninterest income | 254,000 | 609,000 | 812,000 | 1,141,000 |
| Noninterest expense | 785,000 | 1,590,000 | 2,447,000 | 3,368,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 245,000 |
| Pretax income | 944,000 | 1,841,000 | 2,594,000 | 3,363,000 |
| Income tax | 284,000 | 541,000 | 751,000 | 963,000 |
| Net income | 660,000 | 1,300,000 | 1,843,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,368,000 | 13,657,000 | 14,201,000 | 14,057,000 |
| Total capital | 14,803,000 | 15,209,000 | 15,781,000 | 15,651,000 |
| Risk-weighted assets | 113,480,000 | 122,941,000 | 124,389,000 | 126,229,000 |