Call reports 2006
FIRST FARMERS BANK AND TRUST COMPANY — 2006
What FIRST FARMERS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,405,000 | 69,959,000 | 71,011,000 | 72,102,000 |
| Total loans | 58,094,000 | 57,048,000 | 59,191,000 | 60,520,000 |
| Allowance for loan losses | 708,000 | 783,000 | 735,000 | 749,000 |
| Securities available for sale | 4,975,000 | 5,314,000 | 5,725,000 | 5,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,368,000 | 46,541,000 | 47,782,000 | 48,883,000 |
| Interest-bearing deposits | 39,404,000 | 36,967,000 | 38,366,000 | 38,979,000 |
| Noninterest-bearing deposits | 10,964,000 | 9,574,000 | 9,416,000 | 9,904,000 |
| Equity capital | 12,089,000 | 12,319,000 | 12,631,000 | 12,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,231,000 | 2,525,000 | 3,841,000 | 5,189,000 |
| Interest expense | 404,000 | 824,000 | 1,267,000 | 1,738,000 |
| Net interest income | 827,000 | 1,701,000 | 2,574,000 | 3,451,000 |
| Noninterest income | 114,000 | 250,000 | 362,000 | 494,000 |
| Noninterest expense | 510,000 | 1,031,000 | 1,556,000 | 2,053,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 356,000 | 770,000 | 1,155,000 | 1,592,000 |
| Income tax | 122,000 | 264,000 | 400,000 | 548,000 |
| Net income | 234,000 | 506,000 | 755,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,821,000 | 12,093,000 | 12,342,000 | 12,631,000 |
| Total capital | 12,529,000 | 12,797,000 | 13,074,000 | 13,334,000 |
| Risk-weighted assets | 56,741,000 | 56,281,000 | 58,526,000 | 56,182,000 |
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