Financials

(000's)First & Farmers National BankFirst & Farmers National BankFirst & Farmers National BankFirst & Farmers National BankFirst & Farmers National Bank
20172016201520142013
Balance Sheet:
Cash$12,518$12,471$9,481$13,719$9,793
Securities
Held-to-Maturity$7,640$7,782$8,471$8,669$9,015
Available for Sale$179,958$171,707$192,052$188,600$168,389
Fed Funds$0$0$3,634$0$0
Loans & Leases Held For Sale$0$652$129$0$47
Net Loans$276,150$268,834$254,070$249,552$248,977
Fixed Assets$7,890$7,006$5,631$5,625$5,864
Oreo$13$55$0$581$12
Intangibles$17,262$17,268$17,290$17,312$17,335
Other Assets$5,486$5,350$4,926$5,049$5,403
Total Assets$506,917$491,125$495,684$489,107$464,835
DDA$100,576$98,734$92,736$82,088$72,027
Int. Bearing$321,290$310,742$319,695$330,093$319,666
Total Deposits$421,866$409,476$412,431$412,181$391,693
Fed Funds Purchased/Other$10,694$9,295$8,400$6,356$8,696
Other Liabilities$6,588$7,058$7,639$5,422$3,685
Total Liabilities$439,148$425,829$428,470$423,959$404,074
Common Stock$1,200$1,200$1,200$1,200$1,200
Surplus$45,850$45,850$45,850$45,850$45,850
Undivided Profits$20,091$18,127$18,018$15,825$14,003
Net Unrealized Gains/(Losses)$628$119$2,146$2,273-$292
Total Capital$67,769$65,296$67,214$65,148$60,761
Total Liabilities & Captial$506,917$491,125$495,684$489,107$464,835
Income Statement:
Loan Income$13,772$13,498$13,293$13,549$14,550
Investment Income$5,734$5,817$5,984$5,325$5,717
Fed Funds Income$213$145$135$144$140
Total Int. Income$19,719$19,460$19,412$19,018$20,407
Expense Statement:
Transaction Accts.$25$31$34$34$44
Money Market/Savings$381$416$429$489$578
Time Deposits $100M & Over$890$722$776$900$1,349
Time Deposits Under $100M$613$531$565$687$893
Total$1,909$1,700$1,804$2,110$2,864
Fed Funds/Other$78$56$32$56$72
Total Int. Expense$1,987$1,756$1,836$2,166$2,936
Net Interest Income$17,732$17,704$17,576$16,852$17,471
Provision for Loan Losses$0$0-$100$1,550$1,000
Provision for SEC Losses$0$0$0$0$0
SC’S on Deposit Accts$1,624$1,539$1,577$1,711$1,837
Other Non-Int Income$1,219$1,156$1,198$677$904
Gain/Losses on Securities$0$29$26$0$31
Salaries & Emp. Benefits$8,463$8,160$7,928$7,686$7,832
Fixed Assets Expenses$1,083$947$908$984$1,085
Core Deposit Intangible Amortization$6$22$22$22$41
Other Non-Int Expense$4,477$4,919$4,672$4,731$4,426
Income before Taxes$6,546$6,380$6,947$4,267$5,859
Taxes$181$1,371$1,574$898$1,549
Total$6,365$5,009$5,373$3,369$4,310


I, Autumn L. Upchurch, Chief Financial Officer of First & Farmers National Bank do hereby declare that this Report of Condition is true and correct to the best of my knowledge and belief.