Call reports 2014
DAYSPRING BANK — 2014
What DAYSPRING BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 300,554,000 | 306,831,000 | 311,593,000 | 325,075,000 |
| Total loans | 203,550,000 | 213,018,000 | 221,983,000 | 231,445,000 |
| Allowance for loan losses | 4,111,000 | 3,819,000 | 3,868,000 | 3,422,000 |
| Securities available for sale | 66,426,000 | 65,595,000 | 63,119,000 | 65,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,233,000 | 184,403,000 | 180,476,000 | 205,423,000 |
| Interest-bearing deposits | 166,901,000 | 160,465,000 | 153,329,000 | 169,103,000 |
| Noninterest-bearing deposits | 27,332,000 | 23,938,000 | 27,147,000 | 36,320,000 |
| Equity capital | 40,107,000 | 41,878,000 | 42,761,000 | 44,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,685,000 | 10,099,000 | 13,470,000 |
| Interest expense | 782,000 | 1,574,000 | 2,377,000 | 3,200,000 |
| Net interest income | 2,548,000 | 5,111,000 | 7,722,000 | 10,270,000 |
| Noninterest income | 278,000 | 812,000 | 1,158,000 | 1,592,000 |
| Noninterest expense | 1,422,000 | 2,863,000 | 4,375,000 | 5,861,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 200,000 |
| Pretax income | 1,432,000 | 3,099,000 | 4,534,000 | 5,913,000 |
| Income tax | 350,000 | 788,000 | 1,169,000 | 1,386,000 |
| Net income | 1,082,000 | 2,311,000 | 3,365,000 | 4,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,523,000 | 37,752,000 | 38,306,000 | 38,868,000 |
| Total capital | 39,767,000 | 41,137,000 | 41,788,000 | 42,290,000 |
| Risk-weighted assets | 265,087,000 | 277,157,000 | 283,752,000 | 297,049,000 |