Call reports 2005
DAYSPRING BANK — 2005
What DAYSPRING BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,611,000 | 185,611,000 | 196,160,000 | 203,144,000 |
| Total loans | 119,346,000 | 124,821,000 | 132,543,000 | 134,157,000 |
| Allowance for loan losses | 2,971,000 | 2,960,000 | 2,971,000 | 3,006,000 |
| Securities available for sale | 41,756,000 | 41,474,000 | 42,823,000 | 46,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,962,000 | 123,805,000 | 127,481,000 | 139,087,000 |
| Interest-bearing deposits | 101,994,000 | 107,652,000 | 114,295,000 | 122,311,000 |
| Noninterest-bearing deposits | 8,968,000 | 16,153,000 | 13,186,000 | 16,776,000 |
| Equity capital | 19,419,000 | 19,362,000 | 19,925,000 | 20,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,394,000 | 4,941,000 | 7,729,000 | 10,716,000 |
| Interest expense | 987,000 | 2,093,000 | 3,350,000 | 4,734,000 |
| Net interest income | 1,407,000 | 2,848,000 | 4,379,000 | 5,982,000 |
| Noninterest income | 143,000 | 574,000 | 830,000 | 1,186,000 |
| Noninterest expense | 792,000 | 1,734,000 | 2,705,000 | 3,803,000 |
| Provision for loan losses | 60,000 | 90,000 | 117,000 | 147,000 |
| Pretax income | 685,000 | 1,592,000 | 2,381,000 | 3,212,000 |
| Income tax | 186,000 | 442,000 | 633,000 | 838,000 |
| Net income | 499,000 | 1,150,000 | 1,748,000 | 2,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,556,000 | 14,507,000 | 15,112,000 | 15,738,000 |
| Total capital | 16,225,000 | 16,254,000 | 16,965,000 | 17,548,000 |
| Risk-weighted assets | 132,271,000 | 138,575,000 | 147,285,000 | 149,987,000 |