Call reports 2009
DAYSPRING BANK — 2009
What DAYSPRING BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 339,706,000 | 330,304,000 | 332,643,000 | 330,232,000 |
| Total loans | 210,662,000 | 200,153,000 | 202,240,000 | 199,591,000 |
| Allowance for loan losses | 5,679,000 | 5,161,000 | 5,904,000 | 5,424,000 |
| Securities available for sale | 103,273,000 | 105,247,000 | 104,355,000 | 102,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,506,000 | 208,216,000 | 209,255,000 | 214,105,000 |
| Interest-bearing deposits | 200,122,000 | 192,248,000 | 193,748,000 | 195,538,000 |
| Noninterest-bearing deposits | 15,384,000 | 15,968,000 | 15,507,000 | 18,567,000 |
| Equity capital | 32,766,000 | 34,009,000 | 35,427,000 | 36,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,965,000 | 9,965,000 | 14,534,000 | 19,069,000 |
| Interest expense | 1,850,000 | 3,634,000 | 5,184,000 | 6,672,000 |
| Net interest income | 3,115,000 | 6,331,000 | 9,350,000 | 12,397,000 |
| Noninterest income | 614,000 | 2,205,000 | 2,980,000 | 3,664,000 |
| Noninterest expense | 1,771,000 | 4,099,000 | 6,190,000 | 7,787,000 |
| Provision for loan losses | 1,600,000 | 3,200,000 | 4,500,000 | 5,250,000 |
| Pretax income | 451,000 | 1,477,000 | 2,131,000 | 3,361,000 |
| Income tax | 72,000 | 307,000 | 379,000 | 664,000 |
| Net income | 379,000 | 1,170,000 | 1,752,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,991,000 | 31,353,000 | 31,935,000 | 32,685,000 |
| Total capital | 33,144,000 | 34,325,000 | 35,141,000 | 35,861,000 |
| Risk-weighted assets | 261,538,000 | 262,856,000 | 265,710,000 | 269,235,000 |