Call reports 2005
FIRST FARMERS & MERCHANTS BANK — 2005
What FIRST FARMERS & MERCHANTS 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 | 112,720,000 | 115,543,000 | 119,829,000 | 123,017,000 |
| Total loans | 89,132,000 | 93,376,000 | 97,073,000 | 99,616,000 |
| Allowance for loan losses | 807,000 | 851,000 | 888,000 | 944,000 |
| Securities available for sale | 8,190,000 | 8,137,000 | 8,072,000 | 7,897,000 |
| Securities held to maturity | 1,256,000 | 3,428,000 | 4,587,000 | 5,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,635,000 | 93,019,000 | 97,996,000 | 97,953,000 |
| Interest-bearing deposits | 78,119,000 | 79,563,000 | 84,279,000 | 81,557,000 |
| Noninterest-bearing deposits | 12,516,000 | 13,456,000 | 13,717,000 | 16,396,000 |
| Equity capital | 8,370,000 | 8,905,000 | 9,260,000 | 9,603,000 |
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 | 1,770,000 | 3,730,000 | 5,768,000 | 7,931,000 |
| Interest expense | 504,000 | 1,068,000 | 1,660,000 | 2,305,000 |
| Net interest income | 1,266,000 | 2,662,000 | 4,108,000 | 5,626,000 |
| Noninterest income | 190,000 | 419,000 | 675,000 | 903,000 |
| Noninterest expense | 1,025,000 | 2,062,000 | 3,157,000 | 4,295,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 383,000 | 923,000 | 1,482,000 | 2,042,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 381,000 | 921,000 | 1,480,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,462,000 | 8,912,000 | 9,320,000 | 9,729,000 |
| Total capital | 9,269,000 | 9,763,000 | 10,208,000 | 10,673,000 |
| Risk-weighted assets | 92,076,000 | 97,022,000 | 100,712,000 | 103,258,000 |
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