Call reports 2005
FIRST FARMERS & MERCHANTS STATE BANK — 2005
What FIRST FARMERS & MERCHANTS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,697,000 | 66,398,000 | 64,681,000 | 65,963,000 |
| Total loans | 49,945,000 | 48,434,000 | 49,133,000 | 49,344,000 |
| Allowance for loan losses | 448,000 | 448,000 | 477,000 | 504,000 |
| Securities available for sale | 11,146,000 | 14,318,000 | 12,300,000 | 13,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,404,000 | 52,053,000 | 49,892,000 | 52,315,000 |
| Interest-bearing deposits | 44,424,000 | 44,923,000 | 43,491,000 | 44,204,000 |
| Noninterest-bearing deposits | 7,979,000 | 7,130,000 | 6,401,000 | 8,110,000 |
| Equity capital | 7,802,000 | 8,095,000 | 8,226,000 | 8,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 1,986,000 | 3,050,000 | 4,122,000 |
| Interest expense | 200,000 | 429,000 | 693,000 | 954,000 |
| Net interest income | 772,000 | 1,557,000 | 2,357,000 | 3,168,000 |
| Noninterest income | 130,000 | 291,000 | 442,000 | 568,000 |
| Noninterest expense | 581,000 | 1,114,000 | 1,642,000 | 2,176,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 276,000 | 644,000 | 1,022,000 | 1,380,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 275,000 | 643,000 | 1,021,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,604,000 | 7,704,000 | 7,948,000 | 8,143,000 |
| Total capital | 8,052,000 | 8,152,000 | 8,425,000 | 8,647,000 |
| Risk-weighted assets | 55,591,000 | 54,921,000 | 54,976,000 | 56,075,000 |
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