Call reports 2015
FIRST & FARMERS NATIONAL BANK, INC. — 2015
What FIRST & FARMERS NATIONAL BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 499,468,000 | 487,709,000 | 490,493,000 | 495,684,000 |
| Total loans | 254,485,000 | 252,203,000 | 254,751,000 | 258,506,000 |
| Allowance for loan losses | 5,942,000 | 4,054,000 | 4,695,000 | 4,307,000 |
| Securities available for sale | 197,160,000 | 190,357,000 | 192,790,000 | 192,052,000 |
| Securities held to maturity | 8,663,000 | 8,657,000 | 8,472,000 | 8,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,113,000 | 405,876,000 | 408,859,000 | 412,431,000 |
| Interest-bearing deposits | 325,505,000 | 319,205,000 | 317,672,000 | 319,695,000 |
| Noninterest-bearing deposits | 87,608,000 | 86,671,000 | 91,187,000 | 92,736,000 |
| Equity capital | 66,917,000 | 64,815,000 | 67,246,000 | 67,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,824,000 | 9,684,000 | 14,583,000 | 19,412,000 |
| Interest expense | 474,000 | 944,000 | 1,398,000 | 1,836,000 |
| Net interest income | 4,350,000 | 8,740,000 | 13,185,000 | 17,576,000 |
| Noninterest income | 713,000 | 1,373,000 | 2,112,000 | 2,775,000 |
| Noninterest expense | 3,399,000 | 6,798,000 | 10,224,000 | 13,530,000 |
| Provision for loan losses | 150,000 | 225,000 | 250,000 | -100,000 |
| Pretax income | 1,514,000 | 3,113,000 | 4,846,000 | 6,947,000 |
| Income tax | 320,000 | 692,000 | 1,102,000 | 1,574,000 |
| Net income | 1,194,000 | 2,421,000 | 3,744,000 | 5,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,833,000 | 50,061,000 | 51,387,000 | 51,519,000 |
| Total capital | 53,735,000 | 53,931,000 | 55,281,000 | 55,430,000 |
| Risk-weighted assets | 310,081,000 | 309,450,000 | 310,714,000 | 312,492,000 |