Call reports 2005
FIRST FARMERS STATE BANK — 2005
What FIRST FARMERS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,354,000 | 94,852,000 | 97,103,000 | 102,610,000 |
| Total loans | 60,205,000 | 59,891,000 | 62,784,000 | 64,859,000 |
| Allowance for loan losses | 621,000 | 648,000 | 687,000 | 703,000 |
| Securities available for sale | 25,658,000 | 26,501,000 | 25,456,000 | 28,320,000 |
| Securities held to maturity | 99,000 | 99,000 | 99,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,166,000 | 77,596,000 | 77,903,000 | 83,589,000 |
| Interest-bearing deposits | 69,410,000 | 69,107,000 | 69,807,000 | 73,034,000 |
| Noninterest-bearing deposits | 7,756,000 | 8,489,000 | 8,096,000 | 10,555,000 |
| Equity capital | 8,233,000 | 8,803,000 | 8,807,000 | 8,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,395,000 | 3,650,000 | 4,985,000 |
| Interest expense | 369,000 | 794,000 | 1,277,000 | 1,819,000 |
| Net interest income | 827,000 | 1,601,000 | 2,373,000 | 3,166,000 |
| Noninterest income | 262,000 | 567,000 | 845,000 | 1,069,000 |
| Noninterest expense | 737,000 | 1,486,000 | 2,209,000 | 2,875,000 |
| Provision for loan losses | 38,000 | 38,000 | 38,000 | 38,000 |
| Pretax income | 314,000 | 644,000 | 971,000 | 1,322,000 |
| Income tax | -1,000 | 10,000 | 15,000 | 20,000 |
| Net income | 315,000 | 634,000 | 956,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,515,000 | 7,819,000 | 8,009,000 | 8,218,000 |
| Total capital | 8,136,000 | 8,467,000 | 8,696,000 | 8,921,000 |
| Risk-weighted assets | 70,362,000 | 70,054,000 | 72,397,000 | 74,834,000 |
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