Call reports 2011
F&M BANK — 2011
What F&M BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 133,627,000 | 130,407,000 | 131,725,000 | 231,586,000 |
| Total loans | 75,199,000 | 78,244,000 | 76,847,000 | 142,729,000 |
| Allowance for loan losses | 1,633,000 | 1,647,000 | 1,570,000 | 2,818,000 |
| Securities available for sale | 36,868,000 | 40,367,000 | 38,461,000 | 52,688,000 |
| Securities held to maturity | 0 | 1,468,000 | 3,315,000 | 3,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,191,000 | 109,848,000 | 110,432,000 | 191,302,000 |
| Interest-bearing deposits | 91,876,000 | 88,778,000 | 86,141,000 | 136,962,000 |
| Noninterest-bearing deposits | 22,315,000 | 21,070,000 | 24,291,000 | 54,340,000 |
| Equity capital | 13,130,000 | 13,760,000 | 14,338,000 | 22,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,821,000 | 4,457,000 | 9,333,000 |
| Interest expense | 249,000 | 500,000 | 738,000 | 1,220,000 |
| Net interest income | 1,124,000 | 2,321,000 | 3,719,000 | 8,113,000 |
| Noninterest income | 344,000 | 773,000 | 1,092,000 | 2,300,000 |
| Noninterest expense | 1,077,000 | 2,141,000 | 3,237,000 | 7,233,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 150,000 |
| Pretax income | 391,000 | 953,000 | 1,524,000 | 3,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 391,000 | 953,000 | 1,524,000 | 3,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,026,000 | 13,488,000 | 13,960,000 | 22,347,000 |
| Total capital | 14,069,000 | 14,528,000 | 15,006,000 | 24,337,000 |
| Risk-weighted assets | 82,889,000 | 82,574,000 | 83,196,000 | 158,364,000 |