Call reports 2013
DAYSPRING BANK — 2013
What DAYSPRING BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 282,571,000 | 282,017,000 | 295,225,000 | 302,923,000 |
| Total loans | 183,738,000 | 186,820,000 | 196,829,000 | 203,240,000 |
| Allowance for loan losses | 3,854,000 | 3,950,000 | 4,240,000 | 4,255,000 |
| Securities available for sale | 63,836,000 | 68,465,000 | 71,201,000 | 68,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 6,138,000 | 0 | 0 | 0 |
| Total deposits | 176,356,000 | 171,584,000 | 174,638,000 | 174,626,000 |
| Interest-bearing deposits | 148,335,000 | 145,590,000 | 142,560,000 | 146,241,000 |
| Noninterest-bearing deposits | 28,021,000 | 25,994,000 | 32,078,000 | 28,385,000 |
| Equity capital | 39,773,000 | 39,416,000 | 39,714,000 | 39,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,189,000 | 9,282,000 | 12,494,000 |
| Interest expense | 805,000 | 1,609,000 | 2,417,000 | 3,237,000 |
| Net interest income | 2,310,000 | 4,580,000 | 6,865,000 | 9,257,000 |
| Noninterest income | 573,000 | 1,122,000 | 1,357,000 | 1,619,000 |
| Noninterest expense | 1,809,000 | 3,281,000 | 4,749,000 | 5,983,000 |
| Provision for loan losses | 150,000 | 250,000 | 300,000 | 300,000 |
| Pretax income | 933,000 | 2,207,000 | 3,199,000 | 4,483,000 |
| Income tax | 186,000 | 474,000 | 677,000 | 944,000 |
| Net income | 747,000 | 1,733,000 | 2,522,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,309,000 | 36,128,000 | 36,942,000 | 36,941,000 |
| Total capital | 38,184,000 | 39,046,000 | 40,068,000 | 40,219,000 |
| Risk-weighted assets | 235,941,000 | 239,222,000 | 254,454,000 | 261,303,000 |