Call reports 2020
DAYSPRING BANK — 2020
What DAYSPRING BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 602,858,000 | 663,933,000 | 684,214,000 | 701,030,000 |
| Total loans | 398,566,000 | 450,933,000 | 455,302,000 | 457,671,000 |
| Allowance for loan losses | 6,486,000 | 7,164,000 | 7,852,000 | 8,955,000 |
| Securities available for sale | 131,770,000 | 147,315,000 | 164,707,000 | 178,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 84,000 | 83,000 | 72,000 | 61,000 |
| Total deposits | 382,420,000 | 461,214,000 | 492,948,000 | 503,434,000 |
| Interest-bearing deposits | 313,717,000 | 373,212,000 | 366,831,000 | 384,217,000 |
| Noninterest-bearing deposits | 68,703,000 | 88,002,000 | 126,117,000 | 119,216,000 |
| Equity capital | 70,283,000 | 75,562,000 | 79,466,000 | 79,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,074,000 | 15,437,000 | 22,355,000 | 30,361,000 |
| Interest expense | 1,697,000 | 2,985,000 | 3,975,000 | 4,896,000 |
| Net interest income | 5,377,000 | 12,452,000 | 18,380,000 | 25,465,000 |
| Noninterest income | 1,856,000 | 3,115,000 | 4,190,000 | 5,046,000 |
| Noninterest expense | 2,761,000 | 5,879,000 | 8,855,000 | 12,108,000 |
| Provision for loan losses | 450,000 | 1,500,000 | 2,100,000 | 3,000,000 |
| Pretax income | 4,166,000 | 8,859,000 | 12,896,000 | 17,514,000 |
| Income tax | 819,000 | 1,713,000 | 2,481,000 | 3,364,000 |
| Net income | 3,347,000 | 7,146,000 | 10,415,000 | 14,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,158,000 | 68,978,000 | 72,584,000 | 72,319,000 |