Call reports 2004
AMERIFIRST BANK — 2004
What AMERIFIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 165,157,000 | 163,565,000 | 164,570,000 | 165,020,000 |
| Total loans | 102,162,000 | 105,813,000 | 108,288,000 | 103,451,000 |
| Allowance for loan losses | 1,302,000 | 1,135,000 | 1,190,000 | 1,386,000 |
| Securities available for sale | 47,625,000 | 45,060,000 | 43,126,000 | 46,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,395,000 | 138,261,000 | 138,650,000 | 139,116,000 |
| Interest-bearing deposits | 124,684,000 | 119,974,000 | 122,140,000 | 122,019,000 |
| Noninterest-bearing deposits | 14,711,000 | 18,287,000 | 16,510,000 | 17,097,000 |
| Equity capital | 14,241,000 | 12,858,000 | 14,386,000 | 14,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,157,000 | 6,329,000 | 8,566,000 |
| Interest expense | 642,000 | 1,257,000 | 1,929,000 | 2,675,000 |
| Net interest income | 1,440,000 | 2,900,000 | 4,400,000 | 5,891,000 |
| Noninterest income | 135,000 | 265,000 | 405,000 | 528,000 |
| Noninterest expense | 1,009,000 | 2,009,000 | 3,093,000 | 4,215,000 |
| Provision for loan losses | 20,000 | 75,000 | 135,000 | 295,000 |
| Pretax income | 559,000 | 1,064,000 | 1,619,000 | 1,974,000 |
| Income tax | 155,000 | 282,000 | 439,000 | 520,000 |
| Net income | 404,000 | 782,000 | 1,180,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,758,000 | 13,916,000 | 14,312,000 | 14,201,000 |
| Total capital | 15,060,000 | 15,051,000 | 15,502,000 | 15,587,000 |
| Risk-weighted assets | 116,597,000 | 119,814,000 | 119,942,000 | 117,484,000 |
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