Call reports 2012
FIRST FARMERS AND COMMERCIAL BANK — 2012
What FIRST FARMERS AND COMMERCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,086,000 | 105,732,000 | 105,417,000 | 107,111,000 |
| Total loans | 54,964,000 | 52,958,000 | 51,388,000 | 50,836,000 |
| Allowance for loan losses | 927,000 | 701,000 | 721,000 | 750,000 |
| Securities available for sale | 1,503,000 | 1,010,000 | 1,011,000 | 1,330,000 |
| Securities held to maturity | 22,873,000 | 23,574,000 | 22,940,000 | 23,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,451,000 | 94,886,000 | 94,485,000 | 96,249,000 |
| Interest-bearing deposits | 83,201,000 | 80,343,000 | 80,701,000 | 81,638,000 |
| Noninterest-bearing deposits | 13,250,000 | 14,543,000 | 13,784,000 | 14,611,000 |
| Equity capital | 10,480,000 | 10,691,000 | 10,748,000 | 10,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,169,000 | 3,249,000 | 4,314,000 |
| Interest expense | 236,000 | 465,000 | 679,000 | 886,000 |
| Net interest income | 832,000 | 1,704,000 | 2,570,000 | 3,428,000 |
| Noninterest income | 174,000 | 329,000 | 476,000 | 631,000 |
| Noninterest expense | 660,000 | 1,358,000 | 2,292,000 | 3,062,000 |
| Provision for loan losses | 51,000 | 81,000 | 105,000 | 204,000 |
| Pretax income | 295,000 | 594,000 | 649,000 | 794,000 |
| Income tax | 93,000 | 186,000 | 186,000 | 219,000 |
| Net income | 202,000 | 408,000 | 463,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,460,000 | 10,667,000 | 10,724,000 | 10,704,000 |
| Total capital | 11,392,000 | 11,373,000 | 11,450,000 | 11,459,000 |
| Risk-weighted assets | 86,883,000 | 86,725,000 | 84,805,000 | 85,578,000 |