Call reports 2004
FIRST AND FARMERS BANK, THE — 2004
What FIRST AND FARMERS BANK, THE 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 | 37,194,000 | 37,309,000 | 40,775,000 | 45,205,000 |
| Total loans | 22,888,000 | 26,917,000 | 30,306,000 | 34,363,000 |
| Allowance for loan losses | 350,000 | 307,000 | 309,000 | 312,000 |
| Securities available for sale | 8,133,000 | 7,488,000 | 7,446,000 | 6,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,214,000 | 28,383,000 | 32,585,000 | 36,477,000 |
| Interest-bearing deposits | 25,884,000 | 24,853,000 | 29,000,000 | 32,544,000 |
| Noninterest-bearing deposits | 3,330,000 | 3,530,000 | 3,585,000 | 3,933,000 |
| Equity capital | 4,581,000 | 4,393,000 | 4,681,000 | 4,453,000 |
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 | 486,000 | 971,000 | 1,458,000 | 2,091,000 |
| Interest expense | 175,000 | 346,000 | 535,000 | 766,000 |
| Net interest income | 311,000 | 625,000 | 923,000 | 1,325,000 |
| Noninterest income | 60,000 | 133,000 | 198,000 | 289,000 |
| Noninterest expense | 314,000 | 611,000 | 939,000 | 1,412,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 65,000 |
| Pretax income | 42,000 | 117,000 | 127,000 | 137,000 |
| Income tax | 3,000 | 8,000 | 11,000 | 12,000 |
| Net income | 39,000 | 109,000 | 116,000 | 125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,189,000 | 4,278,000 | 4,303,000 | 4,331,000 |
| Total capital | 4,504,000 | 4,585,000 | 4,612,000 | 4,643,000 |
| Risk-weighted assets | 25,138,000 | 27,930,000 | 31,125,000 | 33,138,000 |
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