Call reports 2009
FIRST AND FARMERS BANK, THE — 2009
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,116,000 | 45,751,000 | 47,351,000 | 45,832,000 |
| Total loans | 36,422,000 | 36,567,000 | 36,054,000 | 34,275,000 |
| Allowance for loan losses | 434,000 | 415,000 | 468,000 | 787,000 |
| Securities available for sale | 5,066,000 | 4,395,000 | 3,423,000 | 3,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,391,000 | 42,343,000 | 42,431,000 | 41,599,000 |
| Interest-bearing deposits | 38,488,000 | 36,098,000 | 34,090,000 | 34,255,000 |
| Noninterest-bearing deposits | 6,903,000 | 6,245,000 | 8,341,000 | 7,344,000 |
| Equity capital | 3,591,000 | 3,277,000 | 3,288,000 | 3,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 632,000 | 1,266,000 | 1,907,000 | 2,513,000 |
| Interest expense | 209,000 | 407,000 | 600,000 | 750,000 |
| Net interest income | 423,000 | 859,000 | 1,307,000 | 1,763,000 |
| Noninterest income | 218,000 | 271,000 | 321,000 | 380,000 |
| Noninterest expense | 448,000 | 822,000 | 1,211,000 | 1,622,000 |
| Provision for loan losses | 136,000 | 1,092,000 | 1,173,000 | 1,499,000 |
| Pretax income | 57,000 | -784,000 | -756,000 | -978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | -784,000 | -756,000 | -978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,601,000 | 3,259,000 | 3,287,000 | 3,310,000 |
| Total capital | 4,023,000 | 3,670,000 | 3,695,000 | 3,697,000 |
| Risk-weighted assets | 33,731,000 | 32,897,000 | 32,587,000 | 30,571,000 |