Call reports 2010
F&M BANK — 2010
What F&M BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 128,898,000 | 126,699,000 | 124,342,000 | 134,830,000 |
| Total loans | 80,727,000 | 76,247,000 | 75,422,000 | 75,580,000 |
| Allowance for loan losses | 1,335,000 | 1,331,000 | 1,402,000 | 1,481,000 |
| Securities available for sale | 26,195,000 | 28,059,000 | 31,346,000 | 33,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,585,000 | 105,157,000 | 102,948,000 | 113,511,000 |
| Interest-bearing deposits | 89,141,000 | 87,150,000 | 83,852,000 | 93,756,000 |
| Noninterest-bearing deposits | 18,445,000 | 18,007,000 | 19,096,000 | 19,756,000 |
| Equity capital | 12,563,000 | 12,722,000 | 12,923,000 | 12,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 2,972,000 | 4,434,000 | 5,812,000 |
| Interest expense | 354,000 | 669,000 | 965,000 | 1,239,000 |
| Net interest income | 1,112,000 | 2,303,000 | 3,469,000 | 4,573,000 |
| Noninterest income | 328,000 | 562,000 | 803,000 | 879,000 |
| Noninterest expense | 1,072,000 | 2,199,000 | 3,375,000 | 4,179,000 |
| Provision for loan losses | 150,000 | 255,000 | 325,000 | 375,000 |
| Pretax income | 219,000 | 413,000 | 574,000 | 914,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 413,000 | 574,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,241,000 | 12,434,000 | 12,596,000 | 12,935,000 |
| Total capital | 13,400,000 | 13,442,000 | 13,613,000 | 14,044,000 |
| Risk-weighted assets | 94,044,000 | 83,772,000 | 80,956,000 | 88,367,000 |
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