Call reports 2025
FIRST FARMERS & MERCHANTS STATE BANK — 2025
What FIRST FARMERS & MERCHANTS STATE 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 | 95,915,000 | 95,777,000 | 93,061,000 | 94,113,000 |
| Total loans | 73,996,000 | 74,781,000 | 72,282,000 | 73,167,000 |
| Allowance for loan losses | 880,000 | 1,318,000 | 1,402,000 | 1,097,000 |
| Securities available for sale | 17,738,000 | 17,933,000 | 16,127,000 | 16,244,000 |
| Securities held to maturity | 575,000 | 575,000 | 575,000 | 575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,047,000 | 79,776,000 | 82,909,000 | 81,514,000 |
| Interest-bearing deposits | 69,349,000 | 65,688,000 | 67,950,000 | 66,611,000 |
| Noninterest-bearing deposits | 14,698,000 | 14,088,000 | 14,959,000 | 14,903,000 |
| Equity capital | 8,828,000 | 8,652,000 | 8,949,000 | 9,576,000 |
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 | 1,251,000 | 2,467,000 | 3,726,000 | 4,945,000 |
| Interest expense | 342,000 | 659,000 | 968,000 | 1,225,000 |
| Net interest income | 909,000 | 1,808,000 | 2,758,000 | 3,720,000 |
| Noninterest income | 64,000 | 134,000 | 199,000 | 264,000 |
| Noninterest expense | 624,000 | 1,232,000 | 1,843,000 | 2,414,000 |
| Provision for loan losses | 59,000 | 550,000 | 632,000 | 982,000 |
| Pretax income | 290,000 | 160,000 | 482,000 | 588,000 |
| Income tax | 148,000 | 175,000 | 332,000 | 225,000 |
| Net income | 142,000 | -15,000 | 150,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,187,000 | 9,878,000 | 10,043,000 | 10,447,000 |
| Total capital | 11,077,000 | 10,933,000 | 11,060,000 | 11,458,000 |
| Risk-weighted assets | 84,166,000 | 84,121,000 | 80,938,000 | 80,753,000 |