FIRST FARMERS & MERCHANTS CORP
Financials · State Commercial Banks · TN · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.6M | $2.3M | $9,876 | $7,608 | $6,996 | $7.3M |
| Total assets | $1.26B | $1.17B | $1.09B | $1.1M | $1.02B | $941.7M |
| Total liabilities | $1.14B | $1.06B | $988.7M | $975,772 | $905.7M | $835.5M |
| Equity | $117.7M | $114.5M | $104.1M | $114,591 | $112.1M | $106.1M |
| EPS (diluted) | $0.53 | $0.45 | $1.88 | $1.77 | $1.30 | $1.32 |
| Shares out. | 4.9M | 4.9M | 121.9M | 5.3M | 5.3M | 5.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.2%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.7%
- Debt / equity
- 9.71×
- Book value / share
- $24.02
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 15.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2015- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 19, 2013
- NT 10-Qmissed a reporting deadline ↗May 15, 2002
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Shareholder voteApr 20, 2016
- Results of operationsApr 19, 2016
- Results of operations · Other material eventJan 27, 2016
- Director / officer changeDec 18, 2015
- Regulation FD disclosureNov 20, 2015
- Results of operationsOct 27, 2015
- Results of operationsJul 23, 2015
- Results of operationsMay 5, 2015
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTMay 20, 2016
- 4PRIMARY DOCUMENTMay 20, 2016
- 4PRIMARY DOCUMENTMay 16, 2016
- 15-12GApr 22, 2016
- SC 13E3/AApr 22, 2016
- 8-KApr 20, 2016
- 4PRIMARY DOCUMENTApr 20, 2016
- 8-KApr 19, 2016
- ARSMar 30, 2016
- SC 13E3/AMar 30, 2016
- DEF 14AMar 30, 2016
- CORRESPMar 28, 2016
- SC 13E3/AMar 28, 2016
- PRER14AMar 28, 2016
- CORRESPMar 25, 2016