Call reports 2007
BAYFIRST NATIONAL BANK — 2007
What BAYFIRST NATIONAL BANK 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 | 96,005,000 | 91,757,000 | 98,036,000 | 93,965,000 |
| Total loans | 79,676,000 | 82,131,000 | 80,396,000 | 83,242,000 |
| Allowance for loan losses | 1,080,000 | 1,076,000 | 1,097,000 | 1,060,000 |
| Securities available for sale | 3,062,000 | 2,970,000 | 3,787,000 | 4,019,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,780,000 | 72,131,000 | 80,446,000 | 76,591,000 |
| Interest-bearing deposits | 65,890,000 | 62,099,000 | 70,714,000 | 69,128,000 |
| Noninterest-bearing deposits | 12,890,000 | 10,032,000 | 9,732,000 | 7,463,000 |
| Equity capital | 8,114,000 | 8,214,000 | 8,327,000 | 8,521,000 |
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 | 1,680,000 | 3,334,000 | 5,065,000 | 6,758,000 |
| Interest expense | 761,000 | 1,488,000 | 2,299,000 | 3,101,000 |
| Net interest income | 919,000 | 1,846,000 | 2,766,000 | 3,657,000 |
| Noninterest income | 159,000 | 272,000 | 370,000 | 477,000 |
| Noninterest expense | 720,000 | 1,401,000 | 2,083,000 | 2,733,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 75,000 |
| Pretax income | 337,000 | 675,000 | 990,000 | 1,326,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 675,000 | 990,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,134,000 | 8,255,000 | 8,347,000 | 8,489,000 |
| Total capital | 9,041,000 | 9,209,000 | 9,304,000 | 9,443,000 |
| Risk-weighted assets | 72,426,000 | 76,174,000 | 76,410,000 | 76,208,000 |