Call reports 2008
F&M BANK — 2008
What F&M BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,836,000 | 126,439,000 | 131,051,000 | 137,341,000 |
| Total loans | 76,208,000 | 78,947,000 | 84,893,000 | 90,146,000 |
| Allowance for loan losses | 1,402,000 | 1,500,000 | 1,547,000 | 1,385,000 |
| Securities available for sale | 41,376,000 | 41,343,000 | 38,575,000 | 36,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,621,000 | 101,028,000 | 102,620,000 | 116,125,000 |
| Interest-bearing deposits | 80,108,000 | 81,343,000 | 82,683,000 | 97,502,000 |
| Noninterest-bearing deposits | 16,513,000 | 19,685,000 | 19,937,000 | 18,623,000 |
| Equity capital | 13,627,000 | 12,848,000 | 12,981,000 | 13,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,744,000 | 5,626,000 | 7,492,000 |
| Interest expense | 720,000 | 1,351,000 | 1,907,000 | 2,422,000 |
| Net interest income | 1,170,000 | 2,393,000 | 3,719,000 | 5,070,000 |
| Noninterest income | 295,000 | 598,000 | 1,057,000 | 1,535,000 |
| Noninterest expense | 1,080,000 | 2,208,000 | 3,611,000 | 4,939,000 |
| Provision for loan losses | 20,000 | 20,000 | 70,000 | 425,000 |
| Pretax income | 429,000 | 844,000 | 1,176,000 | 1,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 429,000 | 844,000 | 1,176,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,803,000 | 12,766,000 | 12,873,000 | 13,019,000 |
| Total capital | 13,851,000 | 13,839,000 | 14,004,000 | 14,226,000 |
| Risk-weighted assets | 83,451,000 | 85,400,000 | 90,086,000 | 96,403,000 |
Machine access — free, no API key
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