Call reports 2006
BANKFIRST FINANCIAL SERVICES — 2006
What BANKFIRST FINANCIAL SERVICES reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 509,699,000 | 508,368,000 | 546,292,000 | 530,669,000 |
| Total loans | 345,464,000 | 360,252,000 | 387,002,000 | 389,580,000 |
| Allowance for loan losses | 3,477,000 | 3,627,000 | 3,638,000 | 3,916,000 |
| Securities available for sale | 94,080,000 | 88,538,000 | 91,664,000 | 71,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,865,000 | 390,249,000 | 421,583,000 | 415,368,000 |
| Interest-bearing deposits | 372,777,000 | 374,121,000 | 405,954,000 | 364,518,000 |
| Noninterest-bearing deposits | 14,088,000 | 16,128,000 | 15,629,000 | 50,850,000 |
| Equity capital | 36,430,000 | 37,377,000 | 39,040,000 | 38,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,908,000 | 16,285,000 | 25,368,000 | 34,647,000 |
| Interest expense | 3,527,000 | 7,357,000 | 11,573,000 | 15,835,000 |
| Net interest income | 4,381,000 | 8,928,000 | 13,795,000 | 18,812,000 |
| Noninterest income | 841,000 | 1,844,000 | 2,793,000 | 3,718,000 |
| Noninterest expense | 3,386,000 | 6,767,000 | 10,300,000 | 13,758,000 |
| Provision for loan losses | 174,000 | 385,000 | 741,000 | 1,354,000 |
| Pretax income | 1,631,000 | 3,589,000 | 5,516,000 | 7,309,000 |
| Income tax | 554,000 | 1,208,000 | 1,873,000 | 2,486,000 |
| Net income | 1,077,000 | 2,381,000 | 3,643,000 | 4,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,923,000 | 38,227,000 | 39,488,000 | 38,569,000 |
| Total capital | 40,400,000 | 41,854,000 | 43,126,000 | 42,485,000 |
| Risk-weighted assets | 369,832,000 | 381,274,000 | 409,163,000 | 410,263,000 |