Call reports 2005
AMERIFIRST BANK — 2005
What AMERIFIRST BANK 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 | 162,803,000 | 168,383,000 | 175,364,000 | 173,398,000 |
| Total loans | 103,945,000 | 108,156,000 | 105,888,000 | 109,084,000 |
| Allowance for loan losses | 1,331,000 | 1,249,000 | 1,207,000 | 1,385,000 |
| Securities available for sale | 45,945,000 | 44,052,000 | 43,389,000 | 41,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,812,000 | 141,608,000 | 147,946,000 | 145,743,000 |
| Interest-bearing deposits | 119,232,000 | 121,592,000 | 126,061,000 | 125,153,000 |
| Noninterest-bearing deposits | 17,580,000 | 20,016,000 | 21,885,000 | 20,590,000 |
| Equity capital | 14,351,000 | 14,858,000 | 15,173,000 | 14,555,000 |
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 | 2,212,000 | 4,564,000 | 7,032,000 | 9,641,000 |
| Interest expense | 736,000 | 1,512,000 | 2,417,000 | 3,421,000 |
| Net interest income | 1,476,000 | 3,052,000 | 4,615,000 | 6,220,000 |
| Noninterest income | 127,000 | 244,000 | 372,000 | 499,000 |
| Noninterest expense | 1,072,000 | 2,200,000 | 3,334,000 | 4,550,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 539,000 | 1,104,000 | 1,670,000 | 2,130,000 |
| Income tax | 157,000 | 310,000 | 455,000 | 565,000 |
| Net income | 382,000 | 794,000 | 1,215,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,584,000 | 14,776,000 | 15,198,000 | 15,114,000 |
| Total capital | 15,915,000 | 16,025,000 | 16,405,000 | 16,499,000 |
| Risk-weighted assets | 118,892,000 | 123,928,000 | 124,126,000 | 126,845,000 |
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