Call reports 2005
AMFIRST BANK — 2005
What AMFIRST 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 | 132,121,000 | 134,264,000 | 140,051,000 | 143,417,000 |
| Total loans | 109,982,000 | 110,069,000 | 112,964,000 | 112,480,000 |
| Allowance for loan losses | 1,299,000 | 1,337,000 | 1,414,000 | 1,534,000 |
| Securities available for sale | 7,454,000 | 7,497,000 | 7,456,000 | 8,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,941,000 | 102,185,000 | 113,261,000 | 116,249,000 |
| Interest-bearing deposits | 87,155,000 | 84,557,000 | 97,370,000 | 96,423,000 |
| Noninterest-bearing deposits | 17,786,000 | 17,628,000 | 15,891,000 | 19,826,000 |
| Equity capital | 13,233,000 | 12,969,000 | 13,028,000 | 13,417,000 |
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 | 2,121,000 | 4,315,000 | 6,662,000 | 9,112,000 |
| Interest expense | 645,000 | 1,290,000 | 2,138,000 | 3,015,000 |
| Net interest income | 1,476,000 | 3,025,000 | 4,524,000 | 6,097,000 |
| Noninterest income | 201,000 | 509,000 | 759,000 | 1,016,000 |
| Noninterest expense | 1,191,000 | 2,377,000 | 3,622,000 | 4,945,000 |
| Provision for loan losses | 60,000 | 150,000 | 238,000 | 325,000 |
| Pretax income | 426,000 | 1,007,000 | 1,423,000 | 1,843,000 |
| Income tax | -32,000 | -22,000 | -10,000 | -8,000 |
| Net income | 458,000 | 1,029,000 | 1,433,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,956,000 | 12,645,000 | 12,738,000 | 13,145,000 |
| Total capital | 14,280,000 | 14,007,000 | 14,179,000 | 14,645,000 |
| Risk-weighted assets | 118,658,000 | 122,378,000 | 126,521,000 | 121,263,000 |