Call reports 2025
FIRST FARMERS AND MERCHANTS BANK — 2025
What FIRST FARMERS AND MERCHANTS 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 | 1,774,876,000 | 1,743,291,000 | 1,743,281,000 | 1,785,669,000 |
| Total loans | 1,003,200,000 | 1,004,811,000 | 1,015,645,000 | 1,006,575,000 |
| Allowance for loan losses | 8,236,000 | 8,196,000 | 8,160,000 | 8,037,000 |
| Securities available for sale | 581,649,000 | 562,764,000 | 554,123,000 | 556,275,000 |
| Securities held to maturity | 25,280,000 | 24,861,000 | 24,152,000 | 23,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,605,901,000 | 1,566,387,000 | 1,558,333,000 | 1,593,304,000 |
| Interest-bearing deposits | 1,130,443,000 | 1,097,346,000 | 1,095,306,000 | 1,108,707,000 |
| Noninterest-bearing deposits | 475,458,000 | 469,041,000 | 463,027,000 | 484,597,000 |
| Equity capital | 149,017,000 | 156,732,000 | 164,962,000 | 171,992,000 |
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 | 16,372,000 | 33,034,000 | 50,419,000 | 68,034,000 |
| Interest expense | 3,679,000 | 7,208,000 | 10,881,000 | 14,206,000 |
| Net interest income | 12,693,000 | 25,826,000 | 39,538,000 | 53,828,000 |
| Noninterest income | 3,420,000 | 6,902,000 | 10,199,000 | 13,609,000 |
| Noninterest expense | 10,297,000 | 21,202,000 | 32,089,000 | 43,932,000 |
| Provision for loan losses | 300,000 | 270,000 | 265,000 | 180,000 |
| Pretax income | 5,491,000 | 11,201,000 | 17,323,000 | 23,180,000 |
| Income tax | 887,000 | 1,942,000 | 3,102,000 | 4,151,000 |
| Net income | 4,604,000 | 9,251,000 | 14,213,000 | 19,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 187,213,000 | 189,698,000 | 192,807,000 | 195,598,000 |
| Total capital | 196,003,000 | 198,478,000 | 201,556,000 | 204,309,000 |
| Risk-weighted assets | 1,122,695,000 | 1,114,825,000 | 1,124,532,000 | 1,118,253,000 |