Call reports 2010
DAYSPRING BANK — 2010
What DAYSPRING BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 314,250,000 | 301,751,000 | 303,516,000 | 300,521,000 |
| Total loans | 190,527,000 | 191,846,000 | 194,746,000 | 184,350,000 |
| Allowance for loan losses | 5,533,000 | 5,521,000 | 6,025,000 | 5,675,000 |
| Securities available for sale | 98,188,000 | 83,313,000 | 82,764,000 | 78,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,183,000 | 193,886,000 | 194,382,000 | 192,832,000 |
| Interest-bearing deposits | 186,553,000 | 176,076,000 | 172,973,000 | 173,310,000 |
| Noninterest-bearing deposits | 16,630,000 | 17,810,000 | 21,409,000 | 19,522,000 |
| Equity capital | 37,244,000 | 37,990,000 | 38,821,000 | 38,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,260,000 | 8,616,000 | 12,603,000 | 16,279,000 |
| Interest expense | 1,381,000 | 2,694,000 | 3,921,000 | 5,035,000 |
| Net interest income | 2,879,000 | 5,922,000 | 8,682,000 | 11,244,000 |
| Noninterest income | 617,000 | 1,713,000 | 2,410,000 | 3,094,000 |
| Noninterest expense | 1,627,000 | 3,498,000 | 5,237,000 | 6,969,000 |
| Provision for loan losses | 1,200,000 | 2,500,000 | 3,250,000 | 3,950,000 |
| Pretax income | 487,000 | 1,402,000 | 2,426,000 | 3,259,000 |
| Income tax | 60,000 | 265,000 | 503,000 | 651,000 |
| Net income | 427,000 | 1,137,000 | 1,923,000 | 2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,151,000 | 33,861,000 | 34,347,000 | 35,032,000 |
| Total capital | 36,044,000 | 36,813,000 | 37,298,000 | 37,873,000 |
| Risk-weighted assets | 248,711,000 | 241,439,000 | 242,539,000 | 232,898,000 |