Call reports 2005
FIRST AND FARMERS BANK, THE — 2005
What FIRST AND FARMERS BANK, THE 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 | 44,718,000 | 44,730,000 | 44,703,000 | 45,791,000 |
| Total loans | 32,546,000 | 34,823,000 | 35,660,000 | 36,743,000 |
| Allowance for loan losses | 324,000 | 350,000 | 386,000 | 521,000 |
| Securities available for sale | 6,420,000 | 6,069,000 | 5,480,000 | 5,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,404,000 | 39,586,000 | 39,638,000 | 40,435,000 |
| Interest-bearing deposits | 33,884,000 | 34,839,000 | 35,475,000 | 35,735,000 |
| Noninterest-bearing deposits | 4,520,000 | 4,747,000 | 4,163,000 | 4,700,000 |
| Equity capital | 3,724,000 | 3,574,000 | 3,677,000 | 3,699,000 |
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 | 623,000 | 1,273,000 | 2,006,000 | 2,719,000 |
| Interest expense | 242,000 | 496,000 | 764,000 | 1,037,000 |
| Net interest income | 381,000 | 777,000 | 1,242,000 | 1,682,000 |
| Noninterest income | 75,000 | 156,000 | 234,000 | 324,000 |
| Noninterest expense | 348,000 | 695,000 | 1,064,000 | 1,401,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 225,000 |
| Pretax income | 78,000 | 178,000 | 322,000 | 380,000 |
| Income tax | 4,000 | 9,000 | 18,000 | 42,000 |
| Net income | 74,000 | 169,000 | 304,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,683,000 | 3,511,000 | 3,665,000 | 3,717,000 |
| Total capital | 4,007,000 | 3,861,000 | 4,051,000 | 4,152,000 |
| Risk-weighted assets | 31,883,000 | 33,552,000 | 34,068,000 | 34,694,000 |
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