Call reports 2003
FIRST FARMERS & MERCHANTS NATIONAL BANK — 2003
What FIRST FARMERS & MERCHANTS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 103,313,000 | 101,324,000 | 98,896,000 | 107,153,000 |
| Total loans | 68,688,000 | 73,240,000 | 70,122,000 | 73,881,000 |
| Allowance for loan losses | 432,000 | 434,000 | 435,000 | 436,000 |
| Securities available for sale | 19,204,000 | 19,115,000 | 17,733,000 | 19,826,000 |
| Securities held to maturity | 4,927,000 | 4,889,000 | 4,370,000 | 4,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,189,000 | 80,325,000 | 80,051,000 | 89,116,000 |
| Interest-bearing deposits | 73,590,000 | 70,248,000 | 68,814,000 | 69,614,000 |
| Noninterest-bearing deposits | 10,598,000 | 10,077,000 | 11,236,000 | 19,502,000 |
| Equity capital | 10,975,000 | 10,938,000 | 10,982,000 | 11,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,809,000 | 4,216,000 | 5,554,000 |
| Interest expense | 404,000 | 786,000 | 1,102,000 | 1,391,000 |
| Net interest income | 1,038,000 | 2,023,000 | 3,114,000 | 4,163,000 |
| Noninterest income | 224,000 | 543,000 | 850,000 | 1,129,000 |
| Noninterest expense | 807,000 | 1,713,000 | 2,609,000 | 3,423,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 513,000 | 970,000 | 1,472,000 | 1,986,000 |
| Income tax | 186,000 | 346,000 | 522,000 | 701,000 |
| Net income | 327,000 | 624,000 | 950,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,077,000 | 10,194,000 | 10,355,000 | 10,468,000 |
| Total capital | 10,509,000 | 10,628,000 | 10,790,000 | 10,904,000 |
| Risk-weighted assets | 76,112,000 | 78,798,000 | 76,194,000 | 81,338,000 |
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