Call reports 2005
FIRST FARMERS BANK & TRUST CO. — 2005
What FIRST FARMERS BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 441,504,000 | 464,264,000 | 481,394,000 | 470,871,000 |
| Total loans | 336,488,000 | 354,298,000 | 362,691,000 | 359,596,000 |
| Allowance for loan losses | 4,290,000 | 4,479,000 | 4,196,000 | 4,205,000 |
| Securities available for sale | 34,325,000 | 36,154,000 | 38,314,000 | 37,121,000 |
| Securities held to maturity | 39,463,000 | 39,469,000 | 38,856,000 | 39,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,959,000 | 360,985,000 | 393,888,000 | 373,881,000 |
| Interest-bearing deposits | 281,434,000 | 301,847,000 | 332,014,000 | 308,688,000 |
| Noninterest-bearing deposits | 71,524,000 | 59,137,000 | 61,874,000 | 65,193,000 |
| Equity capital | 48,927,000 | 50,181,000 | 51,346,000 | 52,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,967,000 | 12,585,000 | 19,701,000 | 27,282,000 |
| Interest expense | 1,627,000 | 3,542,000 | 5,841,000 | 8,396,000 |
| Net interest income | 4,340,000 | 9,043,000 | 13,860,000 | 18,886,000 |
| Noninterest income | 1,142,000 | 2,314,000 | 3,677,000 | 5,015,000 |
| Noninterest expense | 3,077,000 | 6,156,000 | 9,218,000 | 12,385,000 |
| Provision for loan losses | 240,000 | 480,000 | 1,080,000 | 1,480,000 |
| Pretax income | 2,165,000 | 4,721,000 | 7,245,000 | 10,042,000 |
| Income tax | 684,000 | 1,516,000 | 2,323,000 | 3,282,000 |
| Net income | 1,481,000 | 3,205,000 | 4,922,000 | 6,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,282,000 | 44,412,000 | 45,767,000 | 46,803,000 |
| Total capital | 47,572,000 | 48,891,000 | 49,963,000 | 51,008,000 |
| Risk-weighted assets | 346,985,000 | 364,332,000 | 376,256,000 | 373,099,000 |