Call reports 2005
BANKFIRST — 2005
What BANKFIRST 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 | 484,716,000 | 484,010,000 | 475,822,000 | 508,710,000 |
| Total loans | 36,646,000 | 89,916,000 | 170,373,000 | 255,221,000 |
| Allowance for loan losses | 633,000 | 1,136,000 | 2,228,000 | 3,505,000 |
| Securities available for sale | 357,855,000 | 309,154,000 | 230,614,000 | 169,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,265,000 | 410,023,000 | 401,645,000 | 430,869,000 |
| Interest-bearing deposits | 331,125,000 | 321,573,000 | 312,842,000 | 303,987,000 |
| Noninterest-bearing deposits | 77,140,000 | 88,450,000 | 88,803,000 | 126,882,000 |
| Equity capital | 65,030,000 | 65,086,000 | 64,816,000 | 65,778,000 |
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 | 4,539,000 | 9,236,000 | 14,870,000 | 21,972,000 |
| Interest expense | 2,749,000 | 5,601,000 | 8,454,000 | 11,455,000 |
| Net interest income | 1,790,000 | 3,635,000 | 6,416,000 | 10,517,000 |
| Noninterest income | 6,766,000 | 9,133,000 | 12,113,000 | 18,309,000 |
| Noninterest expense | 13,617,000 | 19,103,000 | 23,532,000 | 28,394,000 |
| Provision for loan losses | 376,000 | 975,000 | 2,072,000 | 3,353,000 |
| Pretax income | -5,430,000 | -7,304,000 | -6,615,000 | -2,705,000 |
| Income tax | 858,000 | 782,000 | 409,000 | 739,000 |
| Net income | -6,288,000 | -8,086,000 | -7,024,000 | -3,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,089,000 | 65,290,000 | 65,295,000 | 68,116,000 |
| Total capital | 67,722,000 | 66,426,000 | 67,523,000 | 71,621,000 |
| Risk-weighted assets | 141,923,000 | 193,757,000 | 265,120,000 | 352,510,000 |