Call reports 2025
FIRST FARMERS & MERCHANTS NATIONAL BANK — 2025
What FIRST FARMERS & MERCHANTS NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 130,341,000 | 130,980,000 | 135,378,000 | 143,996,000 |
| Total loans | 108,043,000 | 108,575,000 | 110,882,000 | 111,388,000 |
| Allowance for loan losses | 1,422,000 | 1,419,000 | 1,479,000 | 1,465,000 |
| Securities available for sale | 12,887,000 | 13,529,000 | 14,714,000 | 15,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,789,000 | 110,870,000 | 114,052,000 | 121,985,000 |
| Interest-bearing deposits | 95,093,000 | 95,808,000 | 97,886,000 | 105,602,000 |
| Noninterest-bearing deposits | 15,696,000 | 15,062,000 | 16,166,000 | 16,383,000 |
| Equity capital | 12,590,000 | 12,954,000 | 13,066,000 | 13,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,845,000 | 5,843,000 | 7,909,000 |
| Interest expense | 714,000 | 1,384,000 | 2,086,000 | 2,795,000 |
| Net interest income | 1,222,000 | 2,461,000 | 3,757,000 | 5,114,000 |
| Noninterest income | 55,000 | 145,000 | 225,000 | 305,000 |
| Noninterest expense | 904,000 | 1,805,000 | 2,718,000 | 3,657,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 82,000 |
| Pretax income | 373,000 | 801,000 | 1,198,000 | 1,696,000 |
| Income tax | 155,000 | 326,000 | 488,000 | 581,000 |
| Net income | 218,000 | 475,000 | 710,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,991,000 | 14,247,000 | 14,232,000 | 14,770,000 |
| Total capital | 15,412,000 | 15,711,000 | 15,725,000 | 16,278,000 |
| Risk-weighted assets | 113,594,000 | 117,064,000 | 119,409,000 | 120,605,000 |