Call reports 2025
FIRST FARMERS BANK & TRUST CO. — 2025
What FIRST FARMERS BANK & TRUST CO. 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 | 3,266,875,000 | 3,314,782,000 | 3,316,095,000 | 3,425,975,000 |
| Total loans | 2,411,850,000 | 2,446,715,000 | 2,448,391,000 | 2,527,854,000 |
| Allowance for loan losses | 34,206,000 | 35,930,000 | 36,875,000 | 37,868,000 |
| Securities available for sale | 611,001,000 | 618,816,000 | 636,222,000 | 669,729,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 7,592,000 | 6,139,000 | 3,761,000 | 3,749,000 |
| Total deposits | 2,802,120,000 | 2,863,096,000 | 2,882,670,000 | 2,884,429,000 |
| Interest-bearing deposits | 2,303,580,000 | 2,374,605,000 | 2,407,662,000 | 2,398,537,000 |
| Noninterest-bearing deposits | 498,540,000 | 488,491,000 | 475,008,000 | 485,892,000 |
| Equity capital | 295,178,000 | 296,496,000 | 316,815,000 | 326,929,000 |
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 | 47,124,000 | 95,728,000 | 145,380,000 | 194,968,000 |
| Interest expense | 18,392,000 | 37,101,000 | 56,464,000 | 75,283,000 |
| Net interest income | 28,732,000 | 58,627,000 | 88,916,000 | 119,685,000 |
| Noninterest income | 4,391,000 | 8,525,000 | 13,433,000 | 18,799,000 |
| Noninterest expense | 15,660,000 | 32,545,000 | 50,417,000 | 67,832,000 |
| Provision for loan losses | 1,819,000 | 4,962,000 | 6,164,000 | 7,536,000 |
| Pretax income | 15,834,000 | 29,707,000 | 45,444,000 | 62,746,000 |
| Income tax | 3,126,000 | 5,793,000 | 8,889,000 | 12,338,000 |
| Net income | 12,708,000 | 23,914,000 | 36,555,000 | 50,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 319,836,000 | 322,063,000 | 333,474,000 | 339,751,000 |
| Total capital | 352,874,000 | 355,140,000 | 366,420,000 | 373,721,000 |
| Risk-weighted assets | 2,597,535,000 | 2,644,345,000 | 2,632,583,000 | 2,714,723,000 |