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Financials
| (000's) | First and Farmers National Bank | First & Farmers National Bank | First and Farmers National Bank | First and Farmers National Bank | Consolidated Banks | | 2011 | 2010 | 2009 | 2008 | 2007 | | Balance Sheet: | | Cash | $11,764 | $11,568 | $9,834 | $11,045 | $13,798 | | Securities | | Held-to-Maturity | $17,362 | $18,954 | $15,039 | $17,717 | $20,327 | | Available for Sale | $136,657 | $125,009 | $109,717 | $76,072 | $78,592 | | Fed Funds | $4,872 | $0 | $3,705 | $2,146 | $9,379 | | Loans & Leases Held For Sale | $97 | $1,078 | $279 | $0 | $0 | | Net Loans | $269,050 | $262,793 | $278,683 | $299,673 | $276,088 | | Fixed Assets | $6,229 | $6,604 | $6,409 | $6,355 | $6,073 | | Oreo | $473 | $525 | $89 | $0 | $0 | | Intangibles | $17,451 | $17,558 | $17,698 | $17,866 | $17,551 | | Other Assets | $7,028 | $7,728 | $8,803 | $6,916 | $6,222 | | Total Assets | $470,983 | $451,817 | $450,256 | $437,790 | $428,030 | | | DDA | $73,905 | $63,213 | $63,686 | $59,626 | $57,391 | | Int. Bearing | $322,731 | $320,949 | $327,221 | $317,231 | $308,596 | | Total Deposits | $396,636 | $384,162 | $390,907 | $376,857 | $365,987 | | Fed Funds Purchased/Other | $7,447 | $6,727 | $98 | $3,308 | $5,193 | | Other Liabilities | $5,289 | $3,966 | $3,503 | $3,306 | $3,760 | | Total Liabilities | $409,372 | $394,855 | $394,508 | $383,471 | $374,940 | | | 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 | $10,608 | $8,767 | $8,006 | $7,024 | $5,870 | | Net Unrealized Gains/(Losses) | $3,953 | $1,145 | $692 | $245 | $170 | | Total Capital | $61,611 | $56,962 | $55,748 | $54,319 | $53,090 | | | Total Liabilities & Captial | $470,983 | $451,817 | $450,256 | $437,790 | $428,030 | | | Income Statement: | | Loan Income | $16,377 | $17,579 | $19,412 | $20,610 | $21,153 | | Investment Income | $1,597 | $5,484 | $4,674 | $4,133 | $4,605 | | Fed Funds Income | $2 | $137 | $139 | $313 | $429 | | Total Int. Income | $17,976 | $23,200 | $24,225 | $25,056 | $26,187 | | | Expense Statement: | | Transaction Accts. | $0 | $88 | $110 | $166 | $183 | | Money Market/Savings | $0 | $999 | $1,155 | $1,491 | $1,616 | | Time Deposits $100M & Over | $0 | $2,364 | $3,056 | $2,943 | $3,850 | | Time Deposits Under $100M | $0 | $2,384 | $3,387 | $5,107 | $5,682 | | Total | $0 | $5,835 | $7,708 | $9,707 | $11,331 | | | Fed Funds/Other | $0 | $37 | $31 | $48 | $259 | | Total Int. Expense | $0 | $5,872 | $7,739 | $9,755 | $11,590 | | | Net Interest Income | $17,976 | $17,328 | $16,486 | $15,301 | $14,597 | | | Provision for Loan Losses | $0 | $2,900 | $1,880 | $1,280 | $815 | | Provision for SEC Losses | $0 | $0 | $0 | $0 | -$16 | | SC’S on Deposit Accts | $0 | $2,190 | $2,236 | $2,053 | $2,099 | | Other Non-Int Income | $0 | $846 | $633 | $602 | $903 | | Gain/Losses on Securities | $0 | $0 | $0 | $0 | $0 | | Salaries & Emp. Benefits | $0 | $7,682 | $7,297 | $7,213 | $7,055 | | Fixed Assets Expenses | $0 | $1,214 | $1,285 | $1,189 | $1,135 | | Core Deposit Intangible Amortization | $0 | $140 | $168 | $185 | $218 | | Other Non-Int Expense | $0 | $4,673 | $4,729 | $4,253 | $3,738 | | Income before Taxes | $17,976 | $3,755 | $3,996 | $3,836 | $4,654 | | | Taxes | $0 | $695 | $814 | $822 | $1,143 | | Total | $17,976 | $3,060 | $3,182 | $3,014 | $3,511 |
I, Autumn Upchurch Gilreath, 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.
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