Call reports 2025
FIRST FARMERS AND COMMERCIAL BANK — 2025
What FIRST FARMERS AND COMMERCIAL BANK 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 | 216,105,000 | 221,114,000 | 225,202,000 | 220,597,000 |
| Total loans | 156,679,000 | 157,481,000 | 163,904,000 | 167,188,000 |
| Allowance for loan losses | 2,387,000 | 2,379,000 | 2,363,000 | 2,373,000 |
| Securities available for sale | 8,750,000 | 5,007,000 | 4,551,000 | 3,569,000 |
| Securities held to maturity | 10,513,000 | 10,291,000 | 10,192,000 | 10,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,111,000 | 198,847,000 | 202,232,000 | 197,498,000 |
| Interest-bearing deposits | 152,093,000 | 155,833,000 | 158,830,000 | 156,149,000 |
| Noninterest-bearing deposits | 42,018,000 | 43,014,000 | 43,402,000 | 41,349,000 |
| Equity capital | 20,542,000 | 20,837,000 | 21,398,000 | 21,642,000 |
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 | 3,201,000 | 6,427,000 | 9,772,000 | 13,126,000 |
| Interest expense | 1,220,000 | 2,403,000 | 3,584,000 | 4,751,000 |
| Net interest income | 1,981,000 | 4,024,000 | 6,188,000 | 8,375,000 |
| Noninterest income | 162,000 | 322,000 | 512,000 | 694,000 |
| Noninterest expense | 1,479,000 | 3,164,000 | 4,769,000 | 6,537,000 |
| Provision for loan losses | 2,000 | -19,000 | -13,000 | -11,000 |
| Pretax income | 662,000 | 1,202,000 | 1,945,000 | 2,543,000 |
| Income tax | 176,000 | 325,000 | 534,000 | 719,000 |
| Net income | 486,000 | 877,000 | 1,411,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,653,000 | 20,918,000 | 21,452,000 | 21,684,000 |
| Total capital | 22,442,000 | 22,758,000 | 23,376,000 | 23,544,000 |
| Risk-weighted assets | 142,628,000 | 146,707,000 | 153,517,000 | 148,317,000 |
Machine access — free, no API key
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