Call reports 2004
FIRST FARMERS & MERCHANTS BANK — 2004
What FIRST FARMERS & MERCHANTS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,428,000 | 97,212,000 | 101,543,000 | 109,022,000 |
| Total loans | 70,832,000 | 76,724,000 | 82,923,000 | 87,200,000 |
| Allowance for loan losses | 620,000 | 668,000 | 708,000 | 746,000 |
| Securities available for sale | 9,181,000 | 8,464,000 | 7,935,000 | 8,879,000 |
| Securities held to maturity | 1,309,000 | 1,097,000 | 840,000 | 834,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,142,000 | 77,315,000 | 80,026,000 | 88,601,000 |
| Interest-bearing deposits | 62,687,000 | 65,210,000 | 68,100,000 | 73,243,000 |
| Noninterest-bearing deposits | 11,455,000 | 12,105,000 | 11,926,000 | 15,358,000 |
| Equity capital | 7,044,000 | 7,191,000 | 7,784,000 | 8,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 3,004,000 | 4,618,000 | 6,345,000 |
| Interest expense | 391,000 | 783,000 | 1,205,000 | 1,663,000 |
| Net interest income | 1,050,000 | 2,221,000 | 3,413,000 | 4,682,000 |
| Noninterest income | 181,000 | 391,000 | 612,000 | 816,000 |
| Noninterest expense | 981,000 | 1,941,000 | 2,893,000 | 3,800,000 |
| Provision for loan losses | 38,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 212,000 | 596,000 | 1,020,000 | 1,548,000 |
| Income tax | 0 | 15,000 | 30,000 | 45,000 |
| Net income | 212,000 | 581,000 | 990,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,904,000 | 7,278,000 | 7,781,000 | 8,243,000 |
| Total capital | 7,524,000 | 7,946,000 | 8,489,000 | 8,989,000 |
| Risk-weighted assets | 74,441,000 | 79,279,000 | 84,482,000 | 89,321,000 |
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