Call reports 2025
FIRST FARMERS & MERCHANTS BANK — 2025
What FIRST FARMERS & MERCHANTS 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 | 451,445,000 | 464,267,000 | 472,137,000 | 490,474,000 |
| Total loans | 284,135,000 | 295,121,000 | 296,779,000 | 293,803,000 |
| Allowance for loan losses | 2,798,000 | 2,799,000 | 2,847,000 | 2,948,000 |
| Securities available for sale | 132,475,000 | 129,900,000 | 132,039,000 | 142,635,000 |
| Securities held to maturity | 1,267,000 | 1,267,000 | 1,230,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,835,000 | 421,009,000 | 426,528,000 | 441,770,000 |
| Interest-bearing deposits | 345,818,000 | 352,922,000 | 358,934,000 | 371,932,000 |
| Noninterest-bearing deposits | 64,017,000 | 68,087,000 | 67,594,000 | 69,838,000 |
| Equity capital | 38,583,000 | 39,604,000 | 40,633,000 | 45,720,000 |
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 | 5,276,000 | 11,016,000 | 17,047,000 | 23,153,000 |
| Interest expense | 1,305,000 | 2,682,000 | 4,168,000 | 5,614,000 |
| Net interest income | 3,971,000 | 8,334,000 | 12,879,000 | 17,539,000 |
| Noninterest income | 415,000 | 807,000 | 1,275,000 | 1,722,000 |
| Noninterest expense | 2,379,000 | 4,816,000 | 7,341,000 | 9,876,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 145,000 |
| Pretax income | 2,003,000 | 4,323,000 | 6,756,000 | 9,231,000 |
| Income tax | 1,010,000 | 2,114,000 | 3,252,000 | 3,616,000 |
| Net income | 993,000 | 2,209,000 | 3,504,000 | 5,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,665,000 | 43,881,000 | 43,977,000 | 47,308,000 |
| Total capital | 46,559,000 | 46,776,000 | 46,920,000 | 50,353,000 |
| Risk-weighted assets | 327,456,000 | 335,275,000 | 335,672,000 | 334,046,000 |