Call reports 2015
AMERIFIRST BANK — 2015
What AMERIFIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,894,000 | 141,359,000 | 140,229,000 | 143,361,000 |
| Total loans | 90,309,000 | 88,668,000 | 90,347,000 | 91,754,000 |
| Allowance for loan losses | 1,373,000 | 1,392,000 | 1,431,000 | 1,376,000 |
| Securities available for sale | 42,023,000 | 39,990,000 | 37,926,000 | 35,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,051,000 | 121,059,000 | 118,777,000 | 123,363,000 |
| Interest-bearing deposits | 99,116,000 | 95,358,000 | 93,821,000 | 97,214,000 |
| Noninterest-bearing deposits | 26,935,000 | 25,701,000 | 24,956,000 | 26,149,000 |
| Equity capital | 15,302,000 | 15,150,000 | 15,422,000 | 15,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,766,000 | 4,135,000 | 5,504,000 |
| Interest expense | 186,000 | 333,000 | 445,000 | 548,000 |
| Net interest income | 1,200,000 | 2,433,000 | 3,690,000 | 4,956,000 |
| Noninterest income | 165,000 | 300,000 | 444,000 | 528,000 |
| Noninterest expense | 1,220,000 | 2,441,000 | 3,673,000 | 4,898,000 |
| Provision for loan losses | 79,000 | 105,000 | 168,000 | 168,000 |
| Pretax income | 81,000 | 203,000 | 309,000 | 434,000 |
| Income tax | 0 | 2,000 | 2,000 | 6,000 |
| Net income | 81,000 | 201,000 | 307,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,840,000 | 14,811,000 | 14,960,000 | 15,118,000 |
| Total capital | 16,119,000 | 16,040,000 | 16,273,000 | 16,367,000 |
| Risk-weighted assets | 102,433,000 | 98,079,000 | 104,872,000 | 99,776,000 |