Call reports 2019
DAYSPRING BANK — 2019
What DAYSPRING BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 503,937,000 | 536,456,000 | 539,091,000 | 555,366,000 |
| Total loans | 369,434,000 | 396,748,000 | 393,078,000 | 385,168,000 |
| Allowance for loan losses | 5,570,000 | 5,471,000 | 5,896,000 | 6,006,000 |
| Securities available for sale | 91,546,000 | 93,540,000 | 89,545,000 | 110,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 43,000 | 5,000 | 12,000 | 10,000 |
| Total deposits | 339,070,000 | 346,177,000 | 356,230,000 | 367,673,000 |
| Interest-bearing deposits | 271,506,000 | 275,553,000 | 283,127,000 | 298,144,000 |
| Noninterest-bearing deposits | 67,564,000 | 70,624,000 | 73,103,000 | 69,529,000 |
| Equity capital | 61,031,000 | 64,040,000 | 66,278,000 | 67,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,195,000 | 12,380,000 | 19,273,000 | 25,874,000 |
| Interest expense | 1,753,000 | 3,665,000 | 5,682,000 | 7,525,000 |
| Net interest income | 4,442,000 | 8,715,000 | 13,591,000 | 18,349,000 |
| Noninterest income | 605,000 | 1,660,000 | 2,529,000 | 3,116,000 |
| Noninterest expense | 2,581,000 | 5,255,000 | 7,904,000 | 10,635,000 |
| Provision for loan losses | 100,000 | 200,000 | 600,000 | 1,200,000 |
| Pretax income | 2,388,000 | 5,004,000 | 7,937,000 | 10,027,000 |
| Income tax | 437,000 | 936,000 | 1,394,000 | 1,677,000 |
| Net income | 1,951,000 | 4,068,000 | 6,543,000 | 8,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,219,000 | 57,630,000 | 59,871,000 | 61,589,000 |
| Total capital | 60,595,000 | 63,101,000 | 65,767,000 | 67,501,000 |
| Risk-weighted assets | 429,890,000 | 469,113,000 | 490,000,000 | 472,908,000 |