Call reports 2007
AMERIFIRST BANK — 2007
What AMERIFIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 196,399,000 | 200,257,000 | 194,170,000 | 190,774,000 |
| Total loans | 116,059,000 | 120,401,000 | 120,723,000 | 118,725,000 |
| Allowance for loan losses | 1,175,000 | 1,191,000 | 1,181,000 | 1,445,000 |
| Securities available for sale | 56,885,000 | 60,452,000 | 56,350,000 | 55,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,712,000 | 167,804,000 | 164,015,000 | 160,447,000 |
| Interest-bearing deposits | 148,553,000 | 148,918,000 | 144,657,000 | 143,433,000 |
| Noninterest-bearing deposits | 18,159,000 | 18,886,000 | 19,358,000 | 17,014,000 |
| Equity capital | 16,120,000 | 15,057,000 | 16,404,000 | 16,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,131,000 | 6,382,000 | 9,659,000 | 12,682,000 |
| Interest expense | 1,648,000 | 3,342,000 | 4,994,000 | 6,610,000 |
| Net interest income | 1,483,000 | 3,040,000 | 4,665,000 | 6,072,000 |
| Noninterest income | 143,000 | 250,000 | 409,000 | 567,000 |
| Noninterest expense | 1,318,000 | 2,578,000 | 3,936,000 | 5,169,000 |
| Provision for loan losses | 0 | 0 | 0 | 330,000 |
| Pretax income | 310,000 | 720,000 | 1,152,000 | 1,155,000 |
| Income tax | 62,000 | 149,000 | 246,000 | 150,000 |
| Net income | 248,000 | 571,000 | 906,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,416,000 | 16,451,000 | 16,785,000 | 16,455,000 |
| Total capital | 17,591,000 | 17,642,000 | 17,966,000 | 17,900,000 |
| Risk-weighted assets | 143,156,000 | 148,788,000 | 146,621,000 | 144,155,000 |
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