Call reports 2017
DAYSPRING BANK — 2017
What DAYSPRING BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 465,812,000 | 487,292,000 | 494,309,000 | 491,852,000 |
| Total loans | 329,900,000 | 347,568,000 | 357,748,000 | 352,396,000 |
| Allowance for loan losses | 4,294,000 | 4,428,000 | 4,606,000 | 4,694,000 |
| Securities available for sale | 93,927,000 | 93,241,000 | 90,594,000 | 94,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 28,000 | 13,000 | 18,000 | 47,000 |
| Total deposits | 286,805,000 | 296,506,000 | 322,097,000 | 324,618,000 |
| Interest-bearing deposits | 236,616,000 | 244,718,000 | 265,330,000 | 261,088,000 |
| Noninterest-bearing deposits | 50,189,000 | 51,788,000 | 56,767,000 | 63,530,000 |
| Equity capital | 51,904,000 | 54,146,000 | 54,762,000 | 56,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,360,000 | 10,780,000 | 16,317,000 | 21,892,000 |
| Interest expense | 1,108,000 | 2,226,000 | 3,536,000 | 4,824,000 |
| Net interest income | 4,252,000 | 8,554,000 | 12,781,000 | 17,068,000 |
| Noninterest income | 388,000 | 1,129,000 | 1,642,000 | 2,441,000 |
| Noninterest expense | 2,768,000 | 5,617,000 | 8,128,000 | 11,199,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 1,700,000 | 3,795,000 | 5,866,000 | 7,642,000 |
| Income tax | 453,000 | 1,049,000 | 1,616,000 | 2,114,000 |
| Net income | 1,247,000 | 2,746,000 | 4,250,000 | 5,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,627,000 | 48,168,000 | 49,023,000 | 50,173,000 |
| Total capital | 50,921,000 | 52,596,000 | 53,629,000 | 54,867,000 |
| Risk-weighted assets | 387,785,000 | 410,618,000 | 420,693,000 | 404,703,000 |