Call reports 2020
FIRST & FARMERS NATIONAL BANK, INC. — 2020
What FIRST & FARMERS NATIONAL BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 529,283,000 | 567,440,000 | 571,502,000 | 568,730,000 |
| Total loans | 318,051,000 | 334,196,000 | 346,998,000 | 344,232,000 |
| Allowance for loan losses | 4,443,000 | 4,733,000 | 4,955,000 | 5,237,000 |
| Securities available for sale | 171,943,000 | 186,018,000 | 184,766,000 | 186,698,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,460,000 | 474,927,000 | 471,245,000 | 478,859,000 |
| Interest-bearing deposits | 336,343,000 | 339,501,000 | 337,306,000 | 345,077,000 |
| Noninterest-bearing deposits | 109,117,000 | 135,426,000 | 133,939,000 | 133,782,000 |
| Equity capital | 68,771,000 | 74,388,000 | 75,703,000 | 74,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,340,000 | 10,669,000 | 16,180,000 | 21,880,000 |
| Interest expense | 874,000 | 1,634,000 | 2,259,000 | 2,816,000 |
| Net interest income | 4,466,000 | 9,035,000 | 13,921,000 | 19,064,000 |
| Noninterest income | 688,000 | 1,291,000 | 2,019,000 | 2,874,000 |
| Noninterest expense | 4,062,000 | 8,077,000 | 12,160,000 | 16,252,000 |
| Provision for loan losses | 50,000 | 350,000 | 575,000 | 725,000 |
| Pretax income | 1,042,000 | 1,977,000 | 3,283,000 | 5,039,000 |
| Income tax | 88,000 | 152,000 | 292,000 | 479,000 |
| Net income | 954,000 | 1,825,000 | 2,991,000 | 4,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,493,000 | 58,296,000 | 59,895,000 | 59,585,000 |
| Total capital | 61,936,000 | 63,029,000 | 64,850,000 | 64,822,000 |
| Risk-weighted assets | 394,692,000 | 403,223,000 | 416,591,000 | 421,788,000 |
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