Call reports 2005
BANKFIRST FINANCIAL SERVICES — 2005
What BANKFIRST FINANCIAL SERVICES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 430,105,000 | 454,399,000 | 477,658,000 | 492,470,000 |
| Total loans | 313,335,000 | 338,937,000 | 349,465,000 | 347,544,000 |
| Allowance for loan losses | 2,945,000 | 3,146,000 | 3,168,000 | 3,423,000 |
| Securities available for sale | 57,898,000 | 66,192,000 | 67,243,000 | 66,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,326,000 | 336,653,000 | 349,786,000 | 364,480,000 |
| Interest-bearing deposits | 285,720,000 | 313,827,000 | 329,060,000 | 344,952,000 |
| Noninterest-bearing deposits | 42,606,000 | 22,826,000 | 20,726,000 | 19,528,000 |
| Equity capital | 29,811,000 | 31,176,000 | 32,964,000 | 35,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,763,000 | 12,306,000 | 19,452,000 | 26,973,000 |
| Interest expense | 2,139,000 | 4,606,000 | 7,416,000 | 10,492,000 |
| Net interest income | 3,624,000 | 7,700,000 | 12,036,000 | 16,481,000 |
| Noninterest income | 1,008,000 | 2,099,000 | 4,168,000 | 5,076,000 |
| Noninterest expense | 2,909,000 | 6,011,000 | 9,037,000 | 12,041,000 |
| Provision for loan losses | 219,000 | 456,000 | 909,000 | 1,481,000 |
| Pretax income | 1,504,000 | 3,330,000 | 6,256,000 | 8,033,000 |
| Income tax | 535,000 | 1,213,000 | 2,186,000 | 2,807,000 |
| Net income | 969,000 | 2,117,000 | 4,070,000 | 5,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,893,000 | 31,242,000 | 33,195,000 | 35,846,000 |
| Total capital | 32,838,000 | 34,388,000 | 36,363,000 | 39,269,000 |
| Risk-weighted assets | 307,464,000 | 343,481,000 | 361,612,000 | 364,966,000 |