Call reports 2012
AMERIFIRST BANK — 2012
What AMERIFIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 147,109,000 | 147,434,000 | 149,650,000 | 156,338,000 |
| Total loans | 90,465,000 | 91,406,000 | 98,911,000 | 97,940,000 |
| Allowance for loan losses | 1,892,000 | 2,076,000 | 2,197,000 | 1,821,000 |
| Securities available for sale | 40,059,000 | 40,250,000 | 35,361,000 | 36,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,619,000 | 124,040,000 | 124,967,000 | 133,303,000 |
| Interest-bearing deposits | 102,652,000 | 103,078,000 | 105,133,000 | 106,387,000 |
| Noninterest-bearing deposits | 20,967,000 | 20,962,000 | 19,834,000 | 26,916,000 |
| Equity capital | 17,450,000 | 17,468,000 | 17,609,000 | 17,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,975,000 | 4,495,000 | 6,019,000 |
| Interest expense | 336,000 | 667,000 | 993,000 | 1,307,000 |
| Net interest income | 1,159,000 | 2,308,000 | 3,502,000 | 4,712,000 |
| Noninterest income | 134,000 | 240,000 | 293,000 | 423,000 |
| Noninterest expense | 1,196,000 | 2,450,000 | 3,684,000 | 4,922,000 |
| Provision for loan losses | 257,000 | 558,000 | 652,000 | 802,000 |
| Pretax income | 137,000 | 91,000 | 51,000 | -12,000 |
| Income tax | 23,000 | -34,000 | -85,000 | -27,000 |
| Net income | 114,000 | 125,000 | 136,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,873,000 | 15,896,000 | 15,841,000 | 15,999,000 |
| Total capital | 17,168,000 | 17,198,000 | 17,216,000 | 17,389,000 |
| Risk-weighted assets | 102,995,000 | 103,412,000 | 109,153,000 | 110,753,000 |