Call reports 2016
DAYSPRING BANK — 2016
What DAYSPRING BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 360,565,000 | 366,649,000 | 447,077,000 | 462,452,000 |
| Total loans | 257,495,000 | 264,930,000 | 319,915,000 | 325,472,000 |
| Allowance for loan losses | 3,928,000 | 3,644,000 | 3,839,000 | 4,058,000 |
| Securities available for sale | 74,960,000 | 72,475,000 | 88,008,000 | 92,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 96,000 | 129,000 | 96,000 | 21,000 |
| Total deposits | 224,764,000 | 217,428,000 | 279,178,000 | 270,718,000 |
| Interest-bearing deposits | 182,955,000 | 174,021,000 | 227,516,000 | 219,429,000 |
| Noninterest-bearing deposits | 41,809,000 | 43,407,000 | 51,662,000 | 51,289,000 |
| Equity capital | 48,253,000 | 49,666,000 | 51,723,000 | 51,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,820,000 | 7,675,000 | 12,552,000 | 17,774,000 |
| Interest expense | 844,000 | 1,702,000 | 2,803,000 | 3,923,000 |
| Net interest income | 2,976,000 | 5,973,000 | 9,749,000 | 13,851,000 |
| Noninterest income | 1,304,000 | 1,579,000 | 1,733,000 | 2,144,000 |
| Noninterest expense | 1,730,000 | 3,549,000 | 6,100,000 | 9,607,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 450,000 |
| Pretax income | 2,552,000 | 4,046,000 | 5,337,000 | 6,201,000 |
| Income tax | 739,000 | 1,100,000 | 1,384,000 | 1,476,000 |
| Net income | 1,813,000 | 2,946,000 | 3,953,000 | 4,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,407,000 | 44,535,000 | 44,593,000 | 45,521,000 |
| Total capital | 47,335,000 | 48,179,000 | 48,432,000 | 49,579,000 |
| Risk-weighted assets | 329,446,000 | 334,346,000 | 366,426,000 | 377,902,000 |