Call reports 2025
DAYSPRING BANK — 2025
What DAYSPRING BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,141,659,000 | 1,152,626,000 | 1,145,528,000 | 1,154,050,000 |
| Total loans | 780,269,000 | 799,897,000 | 797,610,000 | 808,915,000 |
| Allowance for loan losses | 12,997,000 | 11,123,000 | 11,833,000 | 10,479,000 |
| Securities available for sale | 225,809,000 | 211,837,000 | 210,905,000 | 212,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 43,251,000 | 47,814,000 | 47,026,000 | 50,214,000 |
| Total deposits | 913,386,000 | 925,714,000 | 913,139,000 | 920,034,000 |
| Interest-bearing deposits | 816,913,000 | 823,064,000 | 816,171,000 | 826,688,000 |
| Noninterest-bearing deposits | 96,473,000 | 102,650,000 | 96,968,000 | 93,346,000 |
| Equity capital | 109,428,000 | 111,536,000 | 116,245,000 | 120,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,331,000 | 31,296,000 | 47,506,000 | 63,877,000 |
| Interest expense | 9,325,000 | 18,715,000 | 28,086,000 | 37,190,000 |
| Net interest income | 6,006,000 | 12,581,000 | 19,420,000 | 26,687,000 |
| Noninterest income | 2,162,000 | 5,142,000 | 7,843,000 | 9,207,000 |
| Noninterest expense | 5,038,000 | 10,264,000 | 16,016,000 | 20,996,000 |
| Provision for loan losses | 1,125,000 | 3,075,000 | 3,775,000 | 3,975,000 |
| Pretax income | 2,000,000 | 4,361,000 | 7,369,000 | 10,844,000 |
| Income tax | 157,000 | 345,000 | 891,000 | 986,000 |
| Net income | 1,843,000 | 4,016,000 | 6,478,000 | 9,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,309,000 | 119,483,000 | 121,667,000 | 125,047,000 |