Call reports 2006
BAYFIRST NATIONAL BANK — 2006
What BAYFIRST NATIONAL BANK 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 | 90,992,000 | 95,290,000 | 95,291,000 | 93,200,000 |
| Total loans | 77,741,000 | 78,443,000 | 77,520,000 | 79,673,000 |
| Allowance for loan losses | 998,000 | 1,019,000 | 1,038,000 | 1,059,000 |
| Securities available for sale | 5,402,000 | 5,357,000 | 3,411,000 | 3,070,000 |
| Securities held to maturity | 1,230,000 | 1,232,000 | 420,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,156,000 | 79,366,000 | 79,105,000 | 75,004,000 |
| Interest-bearing deposits | 59,800,000 | 67,211,000 | 66,535,000 | 65,257,000 |
| Noninterest-bearing deposits | 13,356,000 | 12,155,000 | 12,570,000 | 9,747,000 |
| Equity capital | 7,516,000 | 7,594,000 | 7,818,000 | 8,003,000 |
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 | 1,454,000 | 3,019,000 | 4,683,000 | 6,314,000 |
| Interest expense | 543,000 | 1,192,000 | 1,906,000 | 2,590,000 |
| Net interest income | 911,000 | 1,827,000 | 2,777,000 | 3,724,000 |
| Noninterest income | 174,000 | 342,000 | 498,000 | 683,000 |
| Noninterest expense | 673,000 | 1,375,000 | 2,071,000 | 2,791,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 391,000 | 752,000 | 1,153,000 | 1,544,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 391,000 | 752,000 | 1,153,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,593,000 | 7,706,000 | 7,862,000 | 8,029,000 |
| Total capital | 8,468,000 | 8,598,000 | 8,750,000 | 8,937,000 |
| Risk-weighted assets | 69,896,000 | 71,238,000 | 70,899,000 | 72,519,000 |