Call reports 2025
FIRST & FARMERS NATIONAL BANK, INC. — 2025
What FIRST & FARMERS NATIONAL BANK, INC. 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 | 657,885,000 | 654,576,000 | 667,622,000 | 676,306,000 |
| Total loans | 468,301,000 | 467,232,000 | 473,793,000 | 481,619,000 |
| Allowance for loan losses | 7,311,000 | 7,313,000 | 7,291,000 | 7,652,000 |
| Securities available for sale | 142,873,000 | 145,018,000 | 152,766,000 | 146,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,258,000 | 556,036,000 | 561,183,000 | 577,584,000 |
| Interest-bearing deposits | 381,502,000 | 386,318,000 | 390,008,000 | 394,527,000 |
| Noninterest-bearing deposits | 178,756,000 | 169,718,000 | 171,175,000 | 183,057,000 |
| Equity capital | 70,953,000 | 73,396,000 | 77,559,000 | 76,355,000 |
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 | 8,253,000 | 16,628,000 | 25,120,000 | 33,915,000 |
| Interest expense | 2,224,000 | 4,198,000 | 6,209,000 | 8,288,000 |
| Net interest income | 6,029,000 | 12,430,000 | 18,911,000 | 25,627,000 |
| Noninterest income | 652,000 | 1,419,000 | 2,147,000 | 2,888,000 |
| Noninterest expense | 4,207,000 | 8,389,000 | 12,646,000 | 17,156,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 2,414,000 | 5,390,000 | 8,342,000 | 11,289,000 |
| Income tax | 491,000 | 1,121,000 | 1,744,000 | 2,285,000 |
| Net income | 1,923,000 | 4,269,000 | 6,598,000 | 9,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,114,000 | 75,641,000 | 78,402,000 | 76,967,000 |
| Total capital | 79,671,000 | 82,205,000 | 84,996,000 | 83,630,000 |
| Risk-weighted assets | 523,580,000 | 524,125,000 | 526,641,000 | 531,810,000 |
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