Call reports 2005
F&M BANK — 2005
What F&M BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,942,000 | 91,015,000 | 95,985,000 | 97,663,000 |
| Total loans | 64,383,000 | 62,772,000 | 64,037,000 | 67,426,000 |
| Allowance for loan losses | 1,015,000 | 1,093,000 | 1,145,000 | 1,168,000 |
| Securities available for sale | 18,340,000 | 21,200,000 | 22,293,000 | 22,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,496,000 | 74,367,000 | 79,164,000 | 78,929,000 |
| Interest-bearing deposits | 64,342,000 | 61,738,000 | 65,038,000 | 64,477,000 |
| Noninterest-bearing deposits | 12,154,000 | 12,629,000 | 14,126,000 | 14,452,000 |
| Equity capital | 11,224,000 | 11,409,000 | 11,544,000 | 11,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,643,000 | 4,089,000 | 5,563,000 |
| Interest expense | 353,000 | 745,000 | 1,188,000 | 1,680,000 |
| Net interest income | 953,000 | 1,898,000 | 2,901,000 | 3,883,000 |
| Noninterest income | 192,000 | 401,000 | 566,000 | 779,000 |
| Noninterest expense | 742,000 | 1,501,000 | 2,317,000 | 3,128,000 |
| Provision for loan losses | 128,000 | 285,000 | 363,000 | 408,000 |
| Pretax income | 279,000 | 518,000 | 791,000 | 1,130,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 279,000 | 518,000 | 791,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,964,000 | 11,103,000 | 11,277,000 | 11,616,000 |
| Total capital | 11,855,000 | 11,944,000 | 12,130,000 | 12,497,000 |
| Risk-weighted assets | 71,124,000 | 67,047,000 | 67,962,000 | 70,216,000 |
Machine access — free, no API key
Every figure shown here about F&M BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.