Call reports 2015
FIRST FARMERS BANK AND TRUST COMPANY — 2015
What FIRST FARMERS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 111,949,000 | 111,554,000 | 114,293,000 | 118,327,000 |
| Total loans | 81,932,000 | 86,938,000 | 87,227,000 | 87,228,000 |
| Allowance for loan losses | 1,140,000 | 1,130,000 | 1,136,000 | 1,115,000 |
| Securities available for sale | 12,785,000 | 12,918,000 | 12,711,000 | 13,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,616,000 | 89,111,000 | 91,101,000 | 95,938,000 |
| Interest-bearing deposits | 69,554,000 | 68,455,000 | 67,923,000 | 71,929,000 |
| Noninterest-bearing deposits | 22,062,000 | 20,655,000 | 23,179,000 | 24,010,000 |
| Equity capital | 16,769,000 | 17,062,000 | 17,542,000 | 16,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,229,000 | 2,491,000 | 3,781,000 | 5,089,000 |
| Interest expense | 108,000 | 209,000 | 317,000 | 422,000 |
| Net interest income | 1,121,000 | 2,282,000 | 3,464,000 | 4,667,000 |
| Noninterest income | 208,000 | 426,000 | 712,000 | 932,000 |
| Noninterest expense | 847,000 | 1,701,000 | 2,545,000 | 3,463,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 482,000 | 1,060,000 | 1,684,000 | 2,189,000 |
| Income tax | 157,000 | 347,000 | 552,000 | 717,000 |
| Net income | 325,000 | 713,000 | 1,132,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,299,000 | 13,617,000 | 14,136,000 | 13,453,000 |
| Total capital | 14,439,000 | 14,747,000 | 15,272,000 | 14,568,000 |
| Risk-weighted assets | 101,062,000 | 103,713,000 | 103,304,000 | 98,493,000 |