Call reports 2006
F&M BANK — 2006
What F&M BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,494,000 | 99,513,000 | 107,348,000 | 107,435,000 |
| Total loans | 65,942,000 | 66,687,000 | 66,319,000 | 64,882,000 |
| Allowance for loan losses | 1,119,000 | 1,141,000 | 1,242,000 | 1,123,000 |
| Securities available for sale | 25,708,000 | 26,749,000 | 31,434,000 | 34,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,467,000 | 85,167,000 | 90,506,000 | 88,602,000 |
| Interest-bearing deposits | 74,513,000 | 70,787,000 | 75,255,000 | 71,511,000 |
| Noninterest-bearing deposits | 14,953,000 | 14,379,000 | 15,251,000 | 17,090,000 |
| Equity capital | 11,692,000 | 11,451,000 | 11,808,000 | 11,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,141,000 | 4,868,000 | 6,683,000 |
| Interest expense | 579,000 | 1,220,000 | 1,900,000 | 2,636,000 |
| Net interest income | 979,000 | 1,921,000 | 2,968,000 | 4,047,000 |
| Noninterest income | 211,000 | 421,000 | 642,000 | 836,000 |
| Noninterest expense | 837,000 | 1,702,000 | 2,622,000 | 3,852,000 |
| Provision for loan losses | 75,000 | 150,000 | 238,000 | 355,000 |
| Pretax income | 278,000 | 490,000 | 750,000 | 678,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 278,000 | 490,000 | 750,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,569,000 | 11,476,000 | 11,618,000 | 11,883,000 |
| Total capital | 12,453,000 | 12,366,000 | 12,528,000 | 12,774,000 |
| Risk-weighted assets | 70,468,000 | 70,950,000 | 72,475,000 | 71,021,000 |
Machine access — free, no API key
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