Call reports 2004
FIRST FARMERS AND MERCHANTS BANK — 2004
What FIRST FARMERS AND MERCHANTS 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 | 818,757,000 | 833,738,000 | 845,548,000 | 812,579,000 |
| Total loans | 417,607,000 | 420,451,000 | 443,606,000 | 449,375,000 |
| Allowance for loan losses | 9,158,000 | 8,764,000 | 8,752,000 | 8,509,000 |
| Securities available for sale | 252,401,000 | 243,736,000 | 239,750,000 | 224,019,000 |
| Securities held to maturity | 77,947,000 | 81,354,000 | 76,810,000 | 76,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 706,537,000 | 711,945,000 | 720,097,000 | 693,984,000 |
| Interest-bearing deposits | 594,741,000 | 579,790,000 | 592,335,000 | 578,400,000 |
| Noninterest-bearing deposits | 111,796,000 | 132,155,000 | 127,762,000 | 115,584,000 |
| Equity capital | 104,143,000 | 99,942,000 | 103,569,000 | 102,791,000 |
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 | 9,442,000 | 18,617,000 | 28,005,000 | 37,465,000 |
| Interest expense | 2,189,000 | 4,257,000 | 6,337,000 | 8,489,000 |
| Net interest income | 7,253,000 | 14,360,000 | 21,668,000 | 28,976,000 |
| Noninterest income | 2,708,000 | 5,427,000 | 8,072,000 | 10,461,000 |
| Noninterest expense | 7,429,000 | 14,967,000 | 22,143,000 | 28,995,000 |
| Provision for loan losses | 0 | -677,000 | -677,000 | -677,000 |
| Pretax income | 3,458,000 | 6,423,000 | 9,200,000 | 12,045,000 |
| Income tax | 982,000 | 1,787,000 | 2,646,000 | 3,252,000 |
| Net income | 2,476,000 | 4,636,000 | 6,554,000 | 8,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,580,000 | 87,311,000 | 89,493,000 | 90,244,000 |
| Total capital | 92,596,000 | 93,303,000 | 95,695,000 | 96,475,000 |
| Risk-weighted assets | 478,162,000 | 476,582,000 | 493,574,000 | 496,159,000 |
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