Call reports 2007
DAYSPRING BANK — 2007
What DAYSPRING BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 260,028,000 | 277,279,000 | 286,620,000 | 290,959,000 |
| Total loans | 171,530,000 | 184,163,000 | 187,909,000 | 181,140,000 |
| Allowance for loan losses | 3,148,000 | 3,371,000 | 3,481,000 | 3,667,000 |
| Securities available for sale | 61,849,000 | 69,218,000 | 73,130,000 | 71,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,960,000 | 158,483,000 | 154,539,000 | 157,660,000 |
| Interest-bearing deposits | 142,211,000 | 145,832,000 | 141,229,000 | 132,720,000 |
| Noninterest-bearing deposits | 13,749,000 | 12,651,000 | 13,310,000 | 24,940,000 |
| Equity capital | 26,070,000 | 26,662,000 | 28,538,000 | 29,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,113,000 | 8,627,000 | 13,357,000 | 18,178,000 |
| Interest expense | 2,424,000 | 5,046,000 | 7,770,000 | 10,359,000 |
| Net interest income | 1,689,000 | 3,581,000 | 5,587,000 | 7,819,000 |
| Noninterest income | 481,000 | 1,064,000 | 1,404,000 | 1,939,000 |
| Noninterest expense | 1,145,000 | 2,335,000 | 3,520,000 | 4,830,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 1,001,000 | 2,142,000 | 3,153,000 | 4,364,000 |
| Income tax | 269,000 | 580,000 | 822,000 | 1,167,000 |
| Net income | 732,000 | 1,562,000 | 2,331,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,273,000 | 22,103,000 | 23,822,000 | 24,588,000 |
| Total capital | 23,682,000 | 24,677,000 | 26,474,000 | 27,219,000 |
| Risk-weighted assets | 194,140,000 | 207,287,000 | 213,465,000 | 209,556,000 |