Call reports 2015
DAYSPRING BANK — 2015
What DAYSPRING BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 317,565,000 | 343,372,000 | 355,352,000 | 365,994,000 |
| Total loans | 221,547,000 | 236,396,000 | 246,433,000 | 257,702,000 |
| Allowance for loan losses | 3,459,000 | 3,446,000 | 3,517,000 | 3,790,000 |
| Securities available for sale | 64,878,000 | 75,783,000 | 78,036,000 | 74,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 42,000 | 2,000 |
| Total deposits | 211,659,000 | 212,847,000 | 219,652,000 | 224,115,000 |
| Interest-bearing deposits | 173,483,000 | 173,406,000 | 177,099,000 | 176,619,000 |
| Noninterest-bearing deposits | 38,176,000 | 39,441,000 | 42,554,000 | 47,496,000 |
| Equity capital | 44,346,000 | 44,940,000 | 45,687,000 | 46,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,797,000 | 10,503,000 | 14,374,000 |
| Interest expense | 793,000 | 1,590,000 | 2,411,000 | 3,239,000 |
| Net interest income | 2,552,000 | 5,207,000 | 8,092,000 | 11,135,000 |
| Noninterest income | 689,000 | 1,044,000 | 1,968,000 | 2,049,000 |
| Noninterest expense | 1,578,000 | 3,228,000 | 4,887,000 | 6,491,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 650,000 |
| Pretax income | 1,681,000 | 2,999,000 | 5,087,000 | 6,184,000 |
| Income tax | 460,000 | 792,000 | 1,362,000 | 1,567,000 |
| Net income | 1,221,000 | 2,207,000 | 3,725,000 | 4,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,997,000 | 39,988,000 | 40,737,000 | 41,648,000 |
| Total capital | 42,456,000 | 43,434,000 | 44,254,000 | 45,438,000 |
| Risk-weighted assets | 300,090,000 | 314,884,000 | 310,494,000 | 328,904,000 |