Call reports 2008
FIRST & FARMERS NATIONAL BANK, INC. — 2008
What FIRST & FARMERS NATIONAL BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 425,326,000 | 425,489,000 | 422,607,000 | 437,790,000 |
| Total loans | 284,114,000 | 292,307,000 | 293,558,000 | 304,572,000 |
| Allowance for loan losses | 5,181,000 | 4,885,000 | 4,950,000 | 4,899,000 |
| Securities available for sale | 72,232,000 | 71,565,000 | 72,566,000 | 76,072,000 |
| Securities held to maturity | 19,506,000 | 19,236,000 | 18,730,000 | 17,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,696,000 | 368,605,000 | 365,269,000 | 376,857,000 |
| Interest-bearing deposits | 310,422,000 | 307,851,000 | 308,602,000 | 317,231,000 |
| Noninterest-bearing deposits | 57,274,000 | 60,754,000 | 56,667,000 | 59,626,000 |
| Equity capital | 54,046,000 | 53,510,000 | 53,720,000 | 54,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,366,000 | 12,570,000 | 18,805,000 | 25,056,000 |
| Interest expense | 2,829,000 | 5,292,000 | 7,574,000 | 9,755,000 |
| Net interest income | 3,537,000 | 7,278,000 | 11,231,000 | 15,301,000 |
| Noninterest income | 597,000 | 1,301,000 | 1,977,000 | 2,655,000 |
| Noninterest expense | 3,189,000 | 6,480,000 | 9,613,000 | 12,840,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 1,280,000 |
| Pretax income | 750,000 | 1,709,000 | 3,010,000 | 3,836,000 |
| Income tax | 127,000 | 317,000 | 648,000 | 822,000 |
| Net income | 623,000 | 1,392,000 | 2,362,000 | 3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,778,000 | 36,193,000 | 36,909,000 | 36,208,000 |
| Total capital | 39,492,000 | 39,984,000 | 40,708,000 | 40,098,000 |
| Risk-weighted assets | 295,635,000 | 302,150,000 | 302,770,000 | 310,188,000 |
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