Call reports 2004
FIRST FARMERS & MERCHANTS STATE BANK — 2004
What FIRST FARMERS & MERCHANTS STATE 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 | 63,188,000 | 63,573,000 | 64,904,000 | 64,381,000 |
| Total loans | 47,440,000 | 49,245,000 | 51,347,000 | 51,794,000 |
| Allowance for loan losses | 179,000 | 223,000 | 330,000 | 404,000 |
| Securities available for sale | 10,830,000 | 10,730,000 | 10,424,000 | 9,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,186,000 | 51,665,000 | 51,380,000 | 51,631,000 |
| Interest-bearing deposits | 44,013,000 | 44,063,000 | 44,833,000 | 43,740,000 |
| Noninterest-bearing deposits | 6,173,000 | 7,602,000 | 6,548,000 | 7,891,000 |
| Equity capital | 7,512,000 | 7,453,000 | 7,950,000 | 8,136,000 |
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 | 888,000 | 1,824,000 | 2,798,000 | 3,782,000 |
| Interest expense | 185,000 | 367,000 | 563,000 | 760,000 |
| Net interest income | 703,000 | 1,457,000 | 2,235,000 | 3,022,000 |
| Noninterest income | 115,000 | 304,000 | 456,000 | 582,000 |
| Noninterest expense | 552,000 | 1,138,000 | 1,721,000 | 2,285,000 |
| Provision for loan losses | 10,000 | 53,000 | 160,000 | 235,000 |
| Pretax income | 258,000 | 572,000 | 814,000 | 1,112,000 |
| Income tax | 287,000 | 287,000 | 287,000 | 287,000 |
| Net income | -29,000 | 285,000 | 527,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,528,000 | 6,932,000 | 7,264,000 | 7,652,000 |
| Total capital | 6,707,000 | 7,155,000 | 7,594,000 | 8,056,000 |
| Risk-weighted assets | 53,572,000 | 55,209,000 | 56,151,000 | 56,039,000 |
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