Call reports 2003
AMERIFIRST BANK — 2003
What AMERIFIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 149,451,000 | 155,438,000 | 146,001,000 | 151,918,000 |
| Total loans | 86,636,000 | 86,747,000 | 91,254,000 | 99,639,000 |
| Allowance for loan losses | 1,185,000 | 1,180,000 | 1,173,000 | 1,278,000 |
| Securities available for sale | 51,379,000 | 50,121,000 | 42,700,000 | 41,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,145,000 | 130,255,000 | 120,464,000 | 126,675,000 |
| Interest-bearing deposits | 108,800,000 | 108,147,000 | 106,139,000 | 111,250,000 |
| Noninterest-bearing deposits | 15,345,000 | 22,108,000 | 14,325,000 | 15,425,000 |
| Equity capital | 13,095,000 | 13,728,000 | 12,931,000 | 13,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,184,000 | 6,179,000 | 8,250,000 |
| Interest expense | 784,000 | 1,517,000 | 2,174,000 | 2,779,000 |
| Net interest income | 1,315,000 | 2,667,000 | 4,005,000 | 5,471,000 |
| Noninterest income | -9,000 | 92,000 | 192,000 | 422,000 |
| Noninterest expense | 870,000 | 1,803,000 | 2,701,000 | 3,631,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 133,000 |
| Pretax income | 596,000 | 1,254,000 | 1,866,000 | 2,522,000 |
| Income tax | 165,000 | 356,000 | 516,000 | 711,000 |
| Net income | 431,000 | 898,000 | 1,350,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,594,000 | 12,843,000 | 13,293,000 | 13,352,000 |
| Total capital | 13,779,000 | 14,023,000 | 14,466,000 | 14,630,000 |
| Risk-weighted assets | 101,633,000 | 103,245,000 | 104,800,000 | 112,408,000 |
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