Call reports 2015
BANKFIRST — 2015
What BANKFIRST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 315,921,000 | 317,673,000 | 337,557,000 | 348,507,000 |
| Total loans | 193,898,000 | 197,706,000 | 223,162,000 | 237,101,000 |
| Allowance for loan losses | 3,414,000 | 3,492,000 | 3,567,000 | 3,644,000 |
| Securities available for sale | 91,224,000 | 89,744,000 | 86,644,000 | 83,289,000 |
| Securities held to maturity | 10,194,000 | 10,186,000 | 10,828,000 | 9,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,935,000 | 264,653,000 | 271,507,000 | 276,618,000 |
| Interest-bearing deposits | 232,025,000 | 226,594,000 | 231,095,000 | 237,922,000 |
| Noninterest-bearing deposits | 35,910,000 | 38,059,000 | 40,412,000 | 38,696,000 |
| Equity capital | 47,144,000 | 47,568,000 | 48,074,000 | 48,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,989,000 | 5,971,000 | 9,144,000 | 12,499,000 |
| Interest expense | 348,000 | 696,000 | 1,054,000 | 1,449,000 |
| Net interest income | 2,641,000 | 5,275,000 | 8,090,000 | 11,050,000 |
| Noninterest income | 382,000 | 825,000 | 1,274,000 | 1,693,000 |
| Noninterest expense | 1,613,000 | 3,360,000 | 5,061,000 | 6,934,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,335,000 | 2,595,000 | 4,082,000 | 5,744,000 |
| Income tax | 447,000 | 869,000 | 1,367,000 | 1,957,000 |
| Net income | 888,000 | 1,726,000 | 2,715,000 | 3,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,155,000 | 41,993,000 | 42,982,000 | 44,055,000 |
| Total capital | 44,069,000 | 45,155,000 | 46,349,000 | 47,699,000 |
| Risk-weighted assets | 232,698,000 | 252,681,000 | 269,190,000 | 301,396,000 |