Call reports 2009
FIRST & FARMERS NATIONAL BANK, INC. — 2009
What FIRST & FARMERS NATIONAL BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 443,744,000 | 442,944,000 | 454,643,000 | 450,256,000 |
| Total loans | 290,866,000 | 288,175,000 | 284,359,000 | 283,253,000 |
| Allowance for loan losses | 4,402,000 | 4,514,000 | 4,552,000 | 4,291,000 |
| Securities available for sale | 89,605,000 | 95,310,000 | 102,455,000 | 109,717,000 |
| Securities held to maturity | 16,553,000 | 16,220,000 | 16,010,000 | 15,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,088,000 | 384,864,000 | 393,945,000 | 390,907,000 |
| Interest-bearing deposits | 327,768,000 | 323,970,000 | 333,998,000 | 327,221,000 |
| Noninterest-bearing deposits | 59,320,000 | 60,894,000 | 59,947,000 | 63,686,000 |
| Equity capital | 53,698,000 | 54,587,000 | 56,060,000 | 55,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,077,000 | 12,223,000 | 18,353,000 | 24,225,000 |
| Interest expense | 2,091,000 | 4,068,000 | 5,960,000 | 7,739,000 |
| Net interest income | 3,986,000 | 8,155,000 | 12,393,000 | 16,486,000 |
| Noninterest income | 596,000 | 1,423,000 | 2,237,000 | 2,869,000 |
| Noninterest expense | 3,189,000 | 6,571,000 | 9,866,000 | 13,479,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,520,000 | 1,880,000 |
| Pretax income | 1,093,000 | 2,357,000 | 3,244,000 | 3,996,000 |
| Income tax | 225,000 | 514,000 | 683,000 | 814,000 |
| Net income | 868,000 | 1,843,000 | 2,561,000 | 3,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,189,000 | 36,557,000 | 37,019,000 | 37,358,000 |
| Total capital | 39,994,000 | 40,464,000 | 40,966,000 | 41,331,000 |
| Risk-weighted assets | 304,841,000 | 311,943,000 | 315,181,000 | 317,496,000 |
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