Call reports 2002
FIRST FARMERS & MERCHANTS STATE BANK — 2002
What FIRST FARMERS & MERCHANTS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,455,000 | 60,677,000 | 64,017,000 | 65,689,000 |
| Total loans | 40,034,000 | 43,078,000 | 46,534,000 | 49,215,000 |
| Allowance for loan losses | 284,000 | 286,000 | 276,000 | 176,000 |
| Securities available for sale | 10,947,000 | 10,935,000 | 10,731,000 | 11,141,000 |
| Securities held to maturity | 4,455,000 | 2,455,000 | 2,455,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,917,000 | 47,423,000 | 50,772,000 | 52,310,000 |
| Interest-bearing deposits | 42,423,000 | 41,798,000 | 45,075,000 | 45,786,000 |
| Noninterest-bearing deposits | 5,493,000 | 5,625,000 | 5,696,000 | 6,525,000 |
| Equity capital | 7,411,000 | 6,737,000 | 6,816,000 | 7,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,822,000 | 2,793,000 | 3,755,000 |
| Interest expense | 332,000 | 648,000 | 962,000 | 1,272,000 |
| Net interest income | 571,000 | 1,174,000 | 1,831,000 | 2,483,000 |
| Noninterest income | 102,000 | 214,000 | 334,000 | 505,000 |
| Noninterest expense | 502,000 | 983,000 | 1,486,000 | 2,010,000 |
| Provision for loan losses | 6,000 | 8,000 | 29,000 | -71,000 |
| Pretax income | 165,000 | 397,000 | 650,000 | 1,109,000 |
| Income tax | 68,000 | 162,000 | 266,000 | 452,000 |
| Net income | 97,000 | 235,000 | 384,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,990,000 | 5,369,000 | 5,607,000 | 5,971,000 |
| Total capital | 6,274,000 | 5,655,000 | 5,883,000 | 6,147,000 |
| Risk-weighted assets | 44,510,000 | 47,182,000 | 51,129,000 | 56,588,000 |
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