Call reports 2005
FIRST FARMERS BANK AND TRUST COMPANY — 2005
What FIRST FARMERS BANK AND TRUST COMPANY 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 | 71,131,000 | 70,008,000 | 71,245,000 | 72,373,000 |
| Total loans | 58,182,000 | 60,062,000 | 61,436,000 | 60,199,000 |
| Allowance for loan losses | 819,000 | 874,000 | 859,000 | 656,000 |
| Securities available for sale | 3,632,000 | 4,485,000 | 4,772,000 | 4,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,695,000 | 45,775,000 | 47,520,000 | 49,897,000 |
| Interest-bearing deposits | 38,115,000 | 35,902,000 | 37,889,000 | 39,501,000 |
| Noninterest-bearing deposits | 9,580,000 | 9,873,000 | 9,631,000 | 10,396,000 |
| Equity capital | 11,103,000 | 11,370,000 | 11,622,000 | 11,870,000 |
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 | 1,050,000 | 2,160,000 | 3,326,000 | 4,532,000 |
| Interest expense | 312,000 | 644,000 | 994,000 | 1,368,000 |
| Net interest income | 738,000 | 1,516,000 | 2,332,000 | 3,164,000 |
| Noninterest income | 97,000 | 215,000 | 347,000 | 473,000 |
| Noninterest expense | 467,000 | 944,000 | 1,419,000 | 1,907,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 308,000 | 667,000 | 1,080,000 | 1,490,000 |
| Income tax | 105,000 | 227,000 | 367,000 | 512,000 |
| Net income | 203,000 | 440,000 | 713,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,812,000 | 11,050,000 | 11,321,000 | 11,587,000 |
| Total capital | 11,484,000 | 11,734,000 | 12,043,000 | 12,243,000 |
| Risk-weighted assets | 53,594,000 | 54,541,000 | 57,595,000 | 57,453,000 |
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