Call reports 2013
FIRST AND FARMERS BANK, THE — 2013
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 54,689,000 | 55,780,000 | 55,233,000 | 55,753,000 |
| Total loans | 30,854,000 | 33,491,000 | 34,375,000 | 36,226,000 |
| Allowance for loan losses | 501,000 | 507,000 | 523,000 | 459,000 |
| Securities available for sale | 15,628,000 | 17,687,000 | 16,712,000 | 15,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,858,000 | 52,019,000 | 49,861,000 | 49,282,000 |
| Interest-bearing deposits | 40,795,000 | 40,588,000 | 37,969,000 | 10,469,000 |
| Noninterest-bearing deposits | 10,063,000 | 11,431,000 | 11,892,000 | 38,813,000 |
| Equity capital | 3,731,000 | 3,675,000 | 3,693,000 | 3,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 922,000 | 1,399,000 | 1,870,000 |
| Interest expense | 99,000 | 198,000 | 292,000 | 379,000 |
| Net interest income | 356,000 | 724,000 | 1,107,000 | 1,491,000 |
| Noninterest income | 52,000 | 104,000 | 163,000 | 219,000 |
| Noninterest expense | 348,000 | 686,000 | 1,046,000 | 1,481,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 51,000 | 133,000 | 215,000 | 220,000 |
| Income tax | 4,000 | 0 | 0 | 45,000 |
| Net income | 47,000 | 133,000 | 215,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,630,000 | 3,716,000 | 3,698,000 | 3,659,000 |
| Total capital | 4,055,000 | 4,153,000 | 4,148,000 | 4,084,000 |
| Risk-weighted assets | 33,892,000 | 34,881,000 | 35,951,000 | 33,955,000 |