Call reports 2007
FIRST AND FARMERS BANK, THE — 2007
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,874,000 | 50,984,000 | 52,436,000 | 51,035,000 |
| Total loans | 39,530,000 | 42,001,000 | 42,621,000 | 39,325,000 |
| Allowance for loan losses | 526,000 | 460,000 | 518,000 | 520,000 |
| Securities available for sale | 4,448,000 | 4,317,000 | 4,227,000 | 7,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,315,000 | 42,981,000 | 45,460,000 | 44,364,000 |
| Interest-bearing deposits | 37,529,000 | 38,689,000 | 40,378,000 | 39,829,000 |
| Noninterest-bearing deposits | 3,786,000 | 4,292,000 | 5,082,000 | 4,535,000 |
| Equity capital | 4,023,000 | 3,785,000 | 3,304,000 | 3,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,754,000 | 2,639,000 | 3,533,000 |
| Interest expense | 408,000 | 849,000 | 1,309,000 | 1,796,000 |
| Net interest income | 406,000 | 905,000 | 1,330,000 | 1,737,000 |
| Noninterest income | 127,000 | 203,000 | 279,000 | 367,000 |
| Noninterest expense | 376,000 | 783,000 | 1,128,000 | 1,430,000 |
| Provision for loan losses | 15,000 | 30,000 | 640,000 | 640,000 |
| Pretax income | 142,000 | 295,000 | -159,000 | 34,000 |
| Income tax | 5,000 | 13,000 | 19,000 | 5,000 |
| Net income | 137,000 | 282,000 | -178,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,060,000 | 3,846,000 | 3,326,000 | 3,533,000 |
| Total capital | 4,535,000 | 4,306,000 | 3,844,000 | 4,014,000 |
| Risk-weighted assets | 37,988,000 | 40,244,000 | 41,652,000 | 38,406,000 |
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