Call reports 2012
FIRST AND FARMERS BANK, THE — 2012
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 49,754,000 | 47,919,000 | 48,643,000 | 55,197,000 |
| Total loans | 31,664,000 | 33,121,000 | 33,243,000 | 33,833,000 |
| Allowance for loan losses | 445,000 | 480,000 | 490,000 | 488,000 |
| Securities available for sale | 10,844,000 | 10,433,000 | 10,801,000 | 10,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,874,000 | 42,128,000 | 44,802,000 | 51,346,000 |
| Interest-bearing deposits | 37,458,000 | 35,944,000 | 36,150,000 | 39,491,000 |
| Noninterest-bearing deposits | 8,416,000 | 6,184,000 | 8,652,000 | 11,855,000 |
| Equity capital | 3,759,000 | 3,691,000 | 3,726,000 | 3,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,042,000 | 1,564,000 | 2,069,000 |
| Interest expense | 110,000 | 218,000 | 326,000 | 431,000 |
| Net interest income | 409,000 | 824,000 | 1,238,000 | 1,638,000 |
| Noninterest income | 63,000 | 122,000 | 181,000 | 241,000 |
| Noninterest expense | 358,000 | 724,000 | 1,116,000 | 1,470,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 27,000 |
| Pretax income | 105,000 | 204,000 | 276,000 | 382,000 |
| Income tax | 0 | 0 | 0 | 25,000 |
| Net income | 105,000 | 204,000 | 276,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,645,000 | 3,562,000 | 3,593,000 | 3,625,000 |
| Total capital | 4,022,000 | 3,945,000 | 4,008,000 | 4,053,000 |
| Risk-weighted assets | 30,127,000 | 30,581,000 | 33,113,000 | 34,195,000 |