Call reports 2012
DAYSPRING BANK — 2012
What DAYSPRING BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 277,662,000 | 279,135,000 | 286,986,000 | 287,556,000 |
| Total loans | 168,791,000 | 171,192,000 | 185,051,000 | 194,803,000 |
| Allowance for loan losses | 5,206,000 | 4,106,000 | 3,493,000 | 3,615,000 |
| Securities available for sale | 76,397,000 | 73,672,000 | 67,816,000 | 60,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 4,822,000 |
| Total deposits | 164,194,000 | 170,100,000 | 174,108,000 | 176,787,000 |
| Interest-bearing deposits | 139,706,000 | 143,180,000 | 144,518,000 | 145,571,000 |
| Noninterest-bearing deposits | 24,488,000 | 26,920,000 | 29,590,000 | 31,216,000 |
| Equity capital | 41,047,000 | 41,525,000 | 42,266,000 | 43,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,127,000 | 9,447,000 | 12,846,000 |
| Interest expense | 998,000 | 1,887,000 | 2,752,000 | 3,594,000 |
| Net interest income | 2,141,000 | 4,240,000 | 6,695,000 | 9,252,000 |
| Noninterest income | 590,000 | 1,272,000 | 1,784,000 | 2,385,000 |
| Noninterest expense | 1,606,000 | 3,170,000 | 4,713,000 | 6,767,000 |
| Provision for loan losses | 300,000 | 700,000 | 1,100,000 | 1,250,000 |
| Pretax income | 851,000 | 1,783,000 | 2,713,000 | 3,907,000 |
| Income tax | 148,000 | 312,000 | 498,000 | 765,000 |
| Net income | 703,000 | 1,471,000 | 2,215,000 | 3,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,613,000 | 37,101,000 | 37,727,000 | 38,559,000 |
| Total capital | 39,347,000 | 39,905,000 | 40,698,000 | 41,621,000 |
| Risk-weighted assets | 222,512,000 | 229,155,000 | 244,813,000 | 251,728,000 |