Call reports 2018
DAYSPRING BANK — 2018
What DAYSPRING BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 477,954,000 | 493,135,000 | 506,008,000 | 505,901,000 |
| Total loans | 342,147,000 | 355,872,000 | 368,036,000 | 366,818,000 |
| Allowance for loan losses | 4,734,000 | 4,912,000 | 4,850,000 | 5,157,000 |
| Securities available for sale | 94,798,000 | 93,465,000 | 92,494,000 | 89,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 96,000 | 111,000 | 121,000 | 70,000 |
| Total deposits | 319,694,000 | 319,090,000 | 321,613,000 | 325,915,000 |
| Interest-bearing deposits | 255,270,000 | 252,274,000 | 252,793,000 | 255,522,000 |
| Noninterest-bearing deposits | 64,424,000 | 66,816,000 | 68,820,000 | 70,393,000 |
| Equity capital | 55,178,000 | 58,183,000 | 59,706,000 | 61,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,558,000 | 11,437,000 | 17,561,000 | 23,704,000 |
| Interest expense | 1,270,000 | 2,651,000 | 4,220,000 | 5,881,000 |
| Net interest income | 4,288,000 | 8,786,000 | 13,341,000 | 17,823,000 |
| Noninterest income | 559,000 | 1,293,000 | 1,794,000 | 2,417,000 |
| Noninterest expense | 2,998,000 | 5,674,000 | 8,429,000 | 10,531,000 |
| Provision for loan losses | 50,000 | 200,000 | 305,000 | 635,000 |
| Pretax income | 1,820,000 | 4,255,000 | 6,412,000 | 9,083,000 |
| Income tax | 323,000 | 765,000 | 1,157,000 | 1,583,000 |
| Net income | 1,497,000 | 3,490,000 | 5,255,000 | 7,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,230,000 | 53,497,000 | 55,211,000 | 57,423,000 |
| Total capital | 54,964,000 | 58,409,000 | 60,061,000 | 62,580,000 |
| Risk-weighted assets | 414,339,000 | 419,453,000 | 429,063,000 | 444,244,000 |