Call reports 2004
FIRST FARMERS STATE BANK — 2004
What FIRST FARMERS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 79,424,000 | 78,839,000 | 82,235,000 | 91,394,000 |
| Total loans | 51,036,000 | 51,575,000 | 53,702,000 | 55,283,000 |
| Allowance for loan losses | 539,000 | 578,000 | 614,000 | 567,000 |
| Securities available for sale | 19,981,000 | 18,586,000 | 17,705,000 | 27,019,000 |
| Securities held to maturity | 98,000 | 99,000 | 99,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,307,000 | 60,540,000 | 65,893,000 | 73,646,000 |
| Interest-bearing deposits | 54,406,000 | 53,172,000 | 58,589,000 | 64,892,000 |
| Noninterest-bearing deposits | 7,901,000 | 7,368,000 | 7,304,000 | 8,754,000 |
| Equity capital | 7,987,000 | 7,878,000 | 8,402,000 | 8,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 1,953,000 | 2,945,000 | 4,037,000 |
| Interest expense | 290,000 | 574,000 | 868,000 | 1,201,000 |
| Net interest income | 700,000 | 1,379,000 | 2,077,000 | 2,836,000 |
| Noninterest income | 326,000 | 677,000 | 1,026,000 | 1,384,000 |
| Noninterest expense | 718,000 | 1,447,000 | 2,152,000 | 2,878,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 308,000 | 609,000 | 951,000 | 1,317,000 |
| Income tax | 32,000 | 28,000 | 34,000 | 45,000 |
| Net income | 276,000 | 581,000 | 917,000 | 1,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,714,000 | 6,870,000 | 7,095,000 | 7,300,000 |
| Total capital | 7,253,000 | 7,448,000 | 7,709,000 | 7,867,000 |
| Risk-weighted assets | 59,621,000 | 60,074,000 | 62,576,000 | 66,365,000 |
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