Call reports 2012
FIRST FARMERS & MERCHANTS BANK — 2012
What FIRST FARMERS & MERCHANTS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 139,632,000 | 144,761,000 | 149,354,000 | 153,042,000 |
| Total loans | 91,938,000 | 90,550,000 | 89,785,000 | 91,101,000 |
| Allowance for loan losses | 731,000 | 761,000 | 783,000 | 783,000 |
| Securities available for sale | 27,906,000 | 26,881,000 | 28,714,000 | 36,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 165,000 | 186,000 | 183,000 | 171,000 |
| Total deposits | 120,778,000 | 126,140,000 | 130,537,000 | 134,386,000 |
| Interest-bearing deposits | 99,312,000 | 103,152,000 | 103,391,000 | 105,541,000 |
| Noninterest-bearing deposits | 21,466,000 | 22,989,000 | 27,146,000 | 28,846,000 |
| Equity capital | 16,933,000 | 17,156,000 | 17,308,000 | 17,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,882,000 | 3,596,000 | 5,352,000 | 7,043,000 |
| Interest expense | 203,000 | 435,000 | 664,000 | 875,000 |
| Net interest income | 1,679,000 | 3,161,000 | 4,688,000 | 6,168,000 |
| Noninterest income | 285,000 | 608,000 | 958,000 | 1,244,000 |
| Noninterest expense | 1,143,000 | 2,268,000 | 3,435,000 | 4,577,000 |
| Provision for loan losses | 175,000 | 220,000 | 240,000 | 240,000 |
| Pretax income | 646,000 | 1,281,000 | 1,972,000 | 2,622,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 4,000 |
| Net income | 644,000 | 1,278,000 | 1,969,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,187,000 | 16,336,000 | 16,441,000 | 16,292,000 |
| Total capital | 16,918,000 | 17,097,000 | 17,224,000 | 17,075,000 |
| Risk-weighted assets | 103,222,000 | 102,219,000 | 103,705,000 | 107,149,000 |