Call reports 2004
FIRST FARMERS & MERCHANTS NATIONAL BANK — 2004
What FIRST FARMERS & MERCHANTS NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,925,000 | 101,186,000 | 99,237,000 | 105,456,000 |
| Total loans | 74,530,000 | 76,749,000 | 74,697,000 | 76,369,000 |
| Allowance for loan losses | 436,000 | 452,000 | 543,000 | 632,000 |
| Securities available for sale | 16,716,000 | 18,791,000 | 17,814,000 | 20,576,000 |
| Securities held to maturity | 2,962,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,758,000 | 82,237,000 | 80,352,000 | 86,028,000 |
| Interest-bearing deposits | 69,289,000 | 69,562,000 | 68,664,000 | 70,768,000 |
| Noninterest-bearing deposits | 13,468,000 | 12,675,000 | 11,688,000 | 15,260,000 |
| Equity capital | 11,128,000 | 11,279,000 | 11,905,000 | 12,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,720,000 | 4,092,000 | 5,557,000 |
| Interest expense | 281,000 | 557,000 | 839,000 | 1,126,000 |
| Net interest income | 1,075,000 | 2,163,000 | 3,253,000 | 4,431,000 |
| Noninterest income | 310,000 | 618,000 | 964,000 | 1,297,000 |
| Noninterest expense | 885,000 | 1,789,000 | 2,707,000 | 3,636,000 |
| Provision for loan losses | 0 | 15,000 | 105,000 | 195,000 |
| Pretax income | 556,000 | 1,035,000 | 1,463,000 | 1,955,000 |
| Income tax | 405,000 | 405,000 | 405,000 | 405,000 |
| Net income | 151,000 | 630,000 | 1,058,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,446,000 | 11,003,000 | 11,509,000 | 12,078,000 |
| Total capital | 10,882,000 | 11,455,000 | 12,052,000 | 12,710,000 |
| Risk-weighted assets | 80,534,000 | 81,946,000 | 79,343,000 | 83,699,000 |
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