Call reports 2004
FIRST FARMERS BANK AND TRUST COMPANY — 2004
What FIRST FARMERS BANK AND TRUST COMPANY 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 | 72,214,000 | 69,233,000 | 68,806,000 | 69,425,000 |
| Total loans | 58,066,000 | 57,664,000 | 58,341,000 | 58,724,000 |
| Allowance for loan losses | 874,000 | 819,000 | 875,000 | 758,000 |
| Securities available for sale | 4,115,000 | 3,990,000 | 3,798,000 | 3,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,555,000 | 45,663,000 | 45,151,000 | 45,966,000 |
| Interest-bearing deposits | 38,566,000 | 35,450,000 | 35,289,000 | 36,502,000 |
| Noninterest-bearing deposits | 9,989,000 | 10,213,000 | 9,862,000 | 9,464,000 |
| Equity capital | 10,333,000 | 10,462,000 | 10,720,000 | 10,936,000 |
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 | 1,048,000 | 2,089,000 | 3,113,000 | 4,205,000 |
| Interest expense | 281,000 | 556,000 | 842,000 | 1,135,000 |
| Net interest income | 767,000 | 1,533,000 | 2,271,000 | 3,070,000 |
| Noninterest income | 108,000 | 220,000 | 362,000 | 442,000 |
| Noninterest expense | 475,000 | 970,000 | 1,455,000 | 1,910,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 350,000 | 673,000 | 1,024,000 | 1,400,000 |
| Income tax | 119,000 | 229,000 | 348,000 | 476,000 |
| Net income | 231,000 | 444,000 | 676,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,917,000 | 10,130,000 | 10,362,000 | 10,609,000 |
| Total capital | 10,568,000 | 10,782,000 | 11,017,000 | 11,286,000 |
| Risk-weighted assets | 51,893,000 | 51,994,000 | 52,177,000 | 54,054,000 |
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