Call reports 2007
F&M BANK — 2007
What F&M BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 111,556,000 | 110,936,000 | 116,806,000 | 116,364,000 |
| Total loans | 68,088,000 | 68,134,000 | 72,531,000 | 73,637,000 |
| Allowance for loan losses | 1,182,000 | 1,200,000 | 1,257,000 | 1,381,000 |
| Securities available for sale | 36,963,000 | 36,199,000 | 38,289,000 | 35,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,949,000 | 94,060,000 | 94,941,000 | 96,121,000 |
| Interest-bearing deposits | 79,064,000 | 75,467,000 | 77,605,000 | 78,851,000 |
| Noninterest-bearing deposits | 17,885,000 | 18,593,000 | 17,336,000 | 17,270,000 |
| Equity capital | 11,920,000 | 11,619,000 | 12,313,000 | 13,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,792,000 | 5,612,000 | 7,556,000 |
| Interest expense | 765,000 | 1,562,000 | 2,393,000 | 3,215,000 |
| Net interest income | 1,039,000 | 2,230,000 | 3,219,000 | 4,341,000 |
| Noninterest income | 205,000 | 393,000 | 787,000 | 1,102,000 |
| Noninterest expense | 940,000 | 1,970,000 | 2,952,000 | 4,033,000 |
| Provision for loan losses | 70,000 | 180,000 | 263,000 | 360,000 |
| Pretax income | 224,000 | 463,000 | 781,000 | 1,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 463,000 | 781,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,956,000 | 12,069,000 | 12,263,000 | 12,523,000 |
| Total capital | 12,891,000 | 13,003,000 | 13,249,000 | 13,520,000 |
| Risk-weighted assets | 74,550,000 | 74,458,000 | 78,634,000 | 79,345,000 |
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