Call reports 2003
FIRST AND FARMERS BANK, THE — 2003
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,226,000 | 35,968,000 | 36,483,000 | 40,088,000 |
| Total loans | 23,226,000 | 24,732,000 | 25,769,000 | 23,710,000 |
| Allowance for loan losses | 291,000 | 301,000 | 318,000 | 331,000 |
| Securities available for sale | 8,967,000 | 7,605,000 | 7,745,000 | 8,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,235,000 | 27,484,000 | 27,704,000 | 31,638,000 |
| Interest-bearing deposits | 24,894,000 | 24,187,000 | 24,261,000 | 26,104,000 |
| Noninterest-bearing deposits | 3,341,000 | 3,297,000 | 3,443,000 | 5,534,000 |
| Equity capital | 4,520,000 | 4,615,000 | 4,650,000 | 4,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 980,000 | 1,495,000 | 2,008,000 |
| Interest expense | 192,000 | 380,000 | 564,000 | 744,000 |
| Net interest income | 290,000 | 600,000 | 931,000 | 1,264,000 |
| Noninterest income | 57,000 | 119,000 | 176,000 | 253,000 |
| Noninterest expense | 308,000 | 592,000 | 889,000 | 1,254,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 24,000 | 97,000 | 173,000 | 203,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 17,000 |
| Net income | 23,000 | 94,000 | 168,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,125,000 | 4,213,000 | 4,305,000 | 4,342,000 |
| Total capital | 4,416,000 | 4,514,000 | 4,623,000 | 4,672,000 |
| Risk-weighted assets | 25,688,000 | 26,571,000 | 27,247,000 | 26,450,000 |
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