Call reports 2006
DAYSPRING BANK — 2006
What DAYSPRING BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 216,136,000 | 231,903,000 | 242,889,000 | 249,318,000 |
| Total loans | 138,264,000 | 144,173,000 | 149,944,000 | 157,908,000 |
| Allowance for loan losses | 3,065,000 | 3,129,000 | 3,212,000 | 2,996,000 |
| Securities available for sale | 56,638,000 | 62,000,000 | 63,276,000 | 58,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,340,000 | 145,453,000 | 149,088,000 | 147,790,000 |
| Interest-bearing deposits | 118,560,000 | 126,082,000 | 120,259,000 | 136,004,000 |
| Noninterest-bearing deposits | 15,780,000 | 19,371,000 | 28,829,000 | 11,786,000 |
| Equity capital | 20,818,000 | 20,895,000 | 24,519,000 | 25,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,149,000 | 6,690,000 | 10,447,000 | 14,440,000 |
| Interest expense | 1,520,000 | 3,312,000 | 5,290,000 | 7,580,000 |
| Net interest income | 1,629,000 | 3,378,000 | 5,157,000 | 6,860,000 |
| Noninterest income | 353,000 | 868,000 | 1,315,000 | 1,593,000 |
| Noninterest expense | 1,103,000 | 2,234,000 | 3,481,000 | 4,668,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 819,000 | 1,893,000 | 2,774,000 | 3,518,000 |
| Income tax | 212,000 | 508,000 | 732,000 | 893,000 |
| Net income | 607,000 | 1,385,000 | 2,042,000 | 2,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,247,000 | 16,700,000 | 20,157,000 | 20,540,000 |
| Total capital | 18,222,000 | 18,867,000 | 22,363,000 | 22,762,000 |
| Risk-weighted assets | 156,967,000 | 172,472,000 | 175,354,000 | 182,460,000 |