Call reports 2009
F&M BANK — 2009
What F&M BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,377,000 | 129,766,000 | 127,175,000 | 134,353,000 |
| Total loans | 93,285,000 | 93,301,000 | 88,561,000 | 84,804,000 |
| Allowance for loan losses | 1,567,000 | 1,956,000 | 1,871,000 | 1,469,000 |
| Securities available for sale | 32,401,000 | 29,896,000 | 27,436,000 | 23,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,800,000 | 110,194,000 | 107,321,000 | 114,408,000 |
| Interest-bearing deposits | 95,653,000 | 90,437,000 | 87,806,000 | 95,035,000 |
| Noninterest-bearing deposits | 20,147,000 | 19,757,000 | 19,515,000 | 19,373,000 |
| Equity capital | 13,141,000 | 11,704,000 | 12,485,000 | 12,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,783,000 | 3,604,000 | 5,325,000 | 6,914,000 |
| Interest expense | 475,000 | 899,000 | 1,288,000 | 1,653,000 |
| Net interest income | 1,308,000 | 2,705,000 | 4,037,000 | 5,261,000 |
| Noninterest income | 446,000 | 896,000 | 1,514,000 | 1,700,000 |
| Noninterest expense | 1,391,000 | 3,632,000 | 4,846,000 | 6,045,000 |
| Provision for loan losses | 245,000 | 1,446,000 | 1,553,000 | 1,762,000 |
| Pretax income | 141,000 | -1,443,000 | -772,000 | -773,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | -1,443,000 | -772,000 | -773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,937,000 | 11,352,000 | 12,023,000 | 12,021,000 |
| Total capital | 14,103,000 | 12,497,000 | 13,146,000 | 13,147,000 |
| Risk-weighted assets | 92,899,000 | 90,809,000 | 89,111,000 | 94,934,000 |
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