Call reports 2025
AMERIFIRST BANK — 2025
What AMERIFIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 357,497,000 | 346,230,000 | 355,312,000 | 356,754,000 |
| Total loans | 261,680,000 | 260,473,000 | 265,253,000 | 276,347,000 |
| Allowance for loan losses | 2,947,000 | 3,122,000 | 3,539,000 | 3,137,000 |
| Securities available for sale | 36,645,000 | 37,426,000 | 37,052,000 | 37,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,058,000 | 308,629,000 | 317,669,000 | 319,629,000 |
| Interest-bearing deposits | 253,656,000 | 242,140,000 | 253,637,000 | 258,035,000 |
| Noninterest-bearing deposits | 67,402,000 | 66,489,000 | 64,032,000 | 61,594,000 |
| Equity capital | 32,061,000 | 33,369,000 | 33,052,000 | 32,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,655,000 | 9,624,000 | 14,708,000 | 19,862,000 |
| Interest expense | 1,231,000 | 2,559,000 | 3,953,000 | 5,370,000 |
| Net interest income | 3,424,000 | 7,065,000 | 10,755,000 | 14,492,000 |
| Noninterest income | 304,000 | 588,000 | 954,000 | 1,262,000 |
| Noninterest expense | 2,411,000 | 4,783,000 | 7,148,000 | 9,604,000 |
| Provision for loan losses | 45,000 | 210,000 | 468,000 | 758,000 |
| Pretax income | 1,272,000 | 2,660,000 | 4,093,000 | 5,392,000 |
| Income tax | 295,000 | 620,000 | 957,000 | 1,273,000 |
| Net income | 977,000 | 2,040,000 | 3,136,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,406,000 | 33,530,000 | 32,891,000 | 32,296,000 |
| Total capital | 35,347,000 | 36,646,000 | 36,347,000 | 35,427,000 |
| Risk-weighted assets | 270,727,000 | 274,848,000 | 276,465,000 | 285,069,000 |