Call reports 2008
DAYSPRING BANK — 2008
What DAYSPRING BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 314,922,000 | 322,977,000 | 326,206,000 | 338,879,000 |
| Total loans | 196,830,000 | 210,629,000 | 214,590,000 | 212,827,000 |
| Allowance for loan losses | 3,775,000 | 3,933,000 | 4,977,000 | 4,779,000 |
| Securities available for sale | 83,331,000 | 85,130,000 | 86,700,000 | 98,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,742,000 | 187,986,000 | 207,408,000 | 218,391,000 |
| Interest-bearing deposits | 142,113,000 | 172,622,000 | 193,287,000 | 199,293,000 |
| Noninterest-bearing deposits | 32,629,000 | 15,364,000 | 14,121,000 | 19,098,000 |
| Equity capital | 30,990,000 | 31,515,000 | 27,950,000 | 26,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,069,000 | 10,107,000 | 14,977,000 | 19,871,000 |
| Interest expense | 2,250,000 | 4,375,000 | 6,606,000 | 8,768,000 |
| Net interest income | 2,819,000 | 5,732,000 | 8,371,000 | 11,103,000 |
| Noninterest income | 614,000 | 1,681,000 | 2,012,000 | 2,635,000 |
| Noninterest expense | 1,355,000 | 2,834,000 | 4,285,000 | 5,865,000 |
| Provision for loan losses | 150,000 | 400,000 | 2,980,000 | 3,800,000 |
| Pretax income | 2,010,000 | 4,276,000 | 3,097,000 | 4,034,000 |
| Income tax | 603,000 | 1,270,000 | 776,000 | 995,000 |
| Net income | 1,407,000 | 3,006,000 | 2,321,000 | 3,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,932,000 | 27,257,000 | 24,004,000 | 26,766,000 |
| Total capital | 27,727,000 | 30,305,000 | 27,190,000 | 29,996,000 |
| Risk-weighted assets | 224,664,000 | 243,517,000 | 252,592,000 | 257,759,000 |
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