Call reports 2002
AMERIFIRST BANK — 2002
What AMERIFIRST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 139,489,000 | 145,312,000 | 142,627,000 | 144,715,000 |
| Total loans | 86,257,000 | 85,589,000 | 89,892,000 | 92,696,000 |
| Allowance for loan losses | 900,000 | 989,000 | 1,279,000 | 1,208,000 |
| Securities available for sale | 42,459,000 | 44,899,000 | 41,215,000 | 41,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,554,000 | 122,619,000 | 118,837,000 | 119,333,000 |
| Interest-bearing deposits | 104,868,000 | 106,043,000 | 106,574,000 | 106,545,000 |
| Noninterest-bearing deposits | 12,686,000 | 16,576,000 | 12,263,000 | 12,788,000 |
| Equity capital | 10,640,000 | 11,412,000 | 12,269,000 | 12,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,243,000 | 4,525,000 | 6,802,000 | 8,992,000 |
| Interest expense | 923,000 | 1,819,000 | 2,704,000 | 3,551,000 |
| Net interest income | 1,320,000 | 2,706,000 | 4,098,000 | 5,441,000 |
| Noninterest income | 108,000 | 214,000 | 573,000 | 678,000 |
| Noninterest expense | 777,000 | 1,571,000 | 2,402,000 | 3,296,000 |
| Provision for loan losses | 40,000 | 140,000 | 460,000 | 495,000 |
| Pretax income | 643,000 | 1,267,000 | 1,894,000 | 2,534,000 |
| Income tax | 195,000 | 365,000 | 542,000 | 727,000 |
| Net income | 448,000 | 902,000 | 1,352,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,386,000 | 11,622,000 | 12,072,000 | 12,162,000 |
| Total capital | 12,286,000 | 12,611,000 | 13,351,000 | 13,370,000 |
| Risk-weighted assets | 102,623,000 | 102,494,000 | 104,323,000 | 106,489,000 |
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