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 | 230,648,000 | 225,486,000 | 240,839,000 | 244,730,000 |
| Total loans | 171,992,000 | 171,547,000 | 167,541,000 | 180,136,000 |
| Allowance for loan losses | 2,043,000 | 2,044,000 | 2,045,000 | 1,981,000 |
| Securities available for sale | 44,815,000 | 44,285,000 | 43,464,000 | 47,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,729,000 | 197,293,000 | 211,991,000 | 215,065,000 |
| Interest-bearing deposits | 165,612,000 | 165,058,000 | 176,200,000 | 179,688,000 |
| Noninterest-bearing deposits | 32,117,000 | 32,235,000 | 35,791,000 | 35,377,000 |
| Equity capital | 22,222,000 | 23,102,000 | 23,709,000 | 25,782,000 |
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 | 2,879,000 | 5,855,000 | 9,109,000 | 12,422,000 |
| Interest expense | 853,000 | 1,723,000 | 2,603,000 | 3,523,000 |
| Net interest income | 2,026,000 | 4,132,000 | 6,506,000 | 8,899,000 |
| Noninterest income | 90,000 | 166,000 | 266,000 | 337,000 |
| Noninterest expense | 1,206,000 | 2,410,000 | 3,616,000 | 4,846,000 |
| Provision for loan losses | 0 | 0 | 0 | -64,000 |
| Pretax income | 905,000 | 1,883,000 | 3,141,000 | 4,477,000 |
| Income tax | 394,000 | 809,000 | 1,301,000 | 1,469,000 |
| Net income | 511,000 | 1,074,000 | 1,840,000 | 3,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,982,000 | 26,546,000 | 26,811,000 | 28,445,000 |
| Total capital | 28,093,000 | 28,658,000 | 28,924,000 | 30,461,000 |
| Risk-weighted assets | 190,172,000 | 190,194,000 | 188,190,000 | 199,712,000 |