Call reports 2012
F&M BANK — 2012
What F&M BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 237,268,000 | 271,770,000 | 270,853,000 | 282,706,000 |
| Total loans | 141,416,000 | 165,009,000 | 173,413,000 | 187,848,000 |
| Allowance for loan losses | 3,092,000 | 3,375,000 | 3,535,000 | 3,854,000 |
| Securities available for sale | 49,584,000 | 57,487,000 | 54,859,000 | 48,962,000 |
| Securities held to maturity | 3,315,000 | 4,360,000 | 5,200,000 | 5,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,192,000 | 239,913,000 | 239,584,000 | 251,204,000 |
| Interest-bearing deposits | 146,864,000 | 165,983,000 | 165,286,000 | 175,680,000 |
| Noninterest-bearing deposits | 60,329,000 | 73,930,000 | 74,298,000 | 75,524,000 |
| Equity capital | 23,619,000 | 23,519,000 | 24,023,000 | 24,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,879,000 | 7,633,000 | 10,427,000 |
| Interest expense | 270,000 | 544,000 | 819,000 | 1,074,000 |
| Net interest income | 2,179,000 | 4,335,000 | 6,814,000 | 9,353,000 |
| Noninterest income | 685,000 | 1,582,000 | 2,342,000 | 3,156,000 |
| Noninterest expense | 1,894,000 | 4,072,000 | 6,520,000 | 8,805,000 |
| Provision for loan losses | 190,000 | 445,000 | 595,000 | 817,000 |
| Pretax income | 768,000 | 1,407,000 | 2,048,000 | 2,890,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 768,000 | 1,407,000 | 2,048,000 | 2,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,115,000 | 19,832,000 | 20,353,000 | 21,123,000 |
| Total capital | 25,271,000 | 22,131,000 | 22,756,000 | 23,689,000 |
| Risk-weighted assets | 171,546,000 | 186,136,000 | 191,098,000 | 203,975,000 |