Call reports 2011
DAYSPRING BANK — 2011
What DAYSPRING BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 289,712,000 | 283,846,000 | 283,053,000 | 290,722,000 |
| Total loans | 166,096,000 | 164,222,000 | 170,460,000 | 183,008,000 |
| Allowance for loan losses | 5,332,000 | 4,891,000 | 4,686,000 | 5,083,000 |
| Securities available for sale | 84,506,000 | 84,144,000 | 80,233,000 | 75,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,015,000 | 175,801,000 | 171,013,000 | 179,676,000 |
| Interest-bearing deposits | 165,016,000 | 156,673,000 | 149,286,000 | 155,356,000 |
| Noninterest-bearing deposits | 16,999,000 | 19,128,000 | 21,727,000 | 24,319,000 |
| Equity capital | 39,704,000 | 40,016,000 | 40,916,000 | 40,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,511,000 | 6,654,000 | 10,142,000 | 13,365,000 |
| Interest expense | 1,134,000 | 2,213,000 | 3,281,000 | 4,327,000 |
| Net interest income | 2,377,000 | 4,441,000 | 6,861,000 | 9,038,000 |
| Noninterest income | 1,044,000 | 1,767,000 | 2,300,000 | 2,977,000 |
| Noninterest expense | 1,700,000 | 3,242,000 | 4,716,000 | 6,240,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,550,000 | 2,200,000 |
| Pretax income | 1,350,000 | 2,183,000 | 3,019,000 | 3,780,000 |
| Income tax | 318,000 | 495,000 | 615,000 | 753,000 |
| Net income | 1,032,000 | 1,688,000 | 2,404,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,699,000 | 35,684,000 | 36,289,000 | 36,156,000 |
| Total capital | 38,354,000 | 38,293,000 | 38,968,000 | 38,940,000 |
| Risk-weighted assets | 220,839,000 | 216,047,000 | 221,170,000 | 228,260,000 |