Call reports 2007
BANKFIRST FINANCIAL SERVICES — 2007
What BANKFIRST FINANCIAL SERVICES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 537,972,000 | 550,127,000 | 569,268,000 | 584,882,000 |
| Total loans | 398,922,000 | 425,441,000 | 433,010,000 | 449,833,000 |
| Allowance for loan losses | 3,995,000 | 4,074,000 | 3,971,000 | 3,833,000 |
| Securities available for sale | 84,366,000 | 75,665,000 | 74,662,000 | 90,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,033,000 | 448,042,000 | 469,722,000 | 487,811,000 |
| Interest-bearing deposits | 395,614,000 | 400,569,000 | 421,036,000 | 439,879,000 |
| Noninterest-bearing deposits | 48,419,000 | 47,473,000 | 48,686,000 | 47,932,000 |
| Equity capital | 39,413,000 | 40,288,000 | 41,945,000 | 41,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,361,000 | 18,936,000 | 28,951,000 | 38,947,000 |
| Interest expense | 4,630,000 | 9,439,000 | 14,440,000 | 19,379,000 |
| Net interest income | 4,731,000 | 9,497,000 | 14,511,000 | 19,568,000 |
| Noninterest income | 862,000 | 1,921,000 | 2,942,000 | 3,632,000 |
| Noninterest expense | 3,944,000 | 7,634,000 | 11,557,000 | 15,185,000 |
| Provision for loan losses | 161,000 | 375,000 | 640,000 | 1,079,000 |
| Pretax income | 1,484,000 | 3,405,000 | 5,252,000 | 6,929,000 |
| Income tax | 472,000 | 1,107,000 | 1,718,000 | 2,262,000 |
| Net income | 1,012,000 | 2,298,000 | 3,534,000 | 4,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,580,000 | 40,805,000 | 42,041,000 | 41,874,000 |
| Total capital | 43,575,000 | 44,879,000 | 46,012,000 | 45,707,000 |
| Risk-weighted assets | 421,602,000 | 446,030,000 | 454,686,000 | 454,148,000 |