Call reports 2003
FIRST FARMERS BANK AND TRUST COMPANY — 2003
What FIRST FARMERS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,647,000 | 65,855,000 | 67,770,000 | 70,765,000 |
| Total loans | 55,430,000 | 58,246,000 | 58,315,000 | 58,445,000 |
| Allowance for loan losses | 823,000 | 819,000 | 838,000 | 827,000 |
| Securities available for sale | 3,093,000 | 2,051,000 | 4,081,000 | 4,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,394,000 | 42,179,000 | 43,880,000 | 47,021,000 |
| Interest-bearing deposits | 34,641,000 | 33,710,000 | 35,384,000 | 37,534,000 |
| Noninterest-bearing deposits | 9,753,000 | 8,469,000 | 8,496,000 | 9,487,000 |
| Equity capital | 9,352,000 | 9,558,000 | 9,811,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,093,000 | 2,176,000 | 3,230,000 | 4,345,000 |
| Interest expense | 348,000 | 676,000 | 987,000 | 1,283,000 |
| Net interest income | 745,000 | 1,500,000 | 2,243,000 | 3,062,000 |
| Noninterest income | 101,000 | 214,000 | 336,000 | 468,000 |
| Noninterest expense | 462,000 | 967,000 | 1,443,000 | 1,956,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 354,000 | 712,000 | 1,085,000 | 1,493,000 |
| Income tax | 120,000 | 242,000 | 369,000 | 508,000 |
| Net income | 234,000 | 470,000 | 716,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,003,000 | 9,239,000 | 9,485,000 | 9,685,000 |
| Total capital | 9,626,000 | 9,881,000 | 10,132,000 | 10,340,000 |
| Risk-weighted assets | 49,632,000 | 51,144,000 | 51,570,000 | 52,217,000 |
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