Call reports 2015
FIRST AND FARMERS BANK, THE — 2015
What FIRST AND FARMERS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 54,821,000 | 53,152,000 | 53,613,000 | 56,267,000 |
| Total loans | 35,412,000 | 36,228,000 | 36,363,000 | 37,052,000 |
| Allowance for loan losses | 482,000 | 481,000 | 477,000 | 462,000 |
| Securities available for sale | 13,529,000 | 13,302,000 | 13,274,000 | 13,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,647,000 | 46,463,000 | 49,295,000 | 51,387,000 |
| Interest-bearing deposits | 39,497,000 | 37,826,000 | 39,265,000 | 39,518,000 |
| Noninterest-bearing deposits | 11,150,000 | 8,637,000 | 10,030,000 | 11,869,000 |
| Equity capital | 4,008,000 | 3,979,000 | 4,142,000 | 4,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,033,000 | 1,548,000 | 2,050,000 |
| Interest expense | 61,000 | 114,000 | 167,000 | 215,000 |
| Net interest income | 446,000 | 919,000 | 1,381,000 | 1,835,000 |
| Noninterest income | 63,000 | 115,000 | 165,000 | 221,000 |
| Noninterest expense | 370,000 | 784,000 | 1,202,000 | 1,621,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 250,000 | 344,000 | 435,000 |
| Income tax | 27,000 | 64,000 | 91,000 | 85,000 |
| Net income | 112,000 | 186,000 | 253,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,948,000 | 3,864,000 | 3,941,000 | 3,940,000 |
| Total capital | 4,404,000 | 4,345,000 | 4,418,000 | 4,402,000 |
| Risk-weighted assets | 36,117,000 | 39,225,000 | 39,158,000 | 42,792,000 |