Call reports 2013
F&M BANK — 2013
What F&M BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 287,626,000 | 283,468,000 | 286,489,000 | 309,135,000 |
| Total loans | 187,450,000 | 190,221,000 | 191,685,000 | 191,697,000 |
| Allowance for loan losses | 4,024,000 | 4,296,000 | 4,297,000 | 4,427,000 |
| Securities available for sale | 51,941,000 | 57,288,000 | 55,054,000 | 66,070,000 |
| Securities held to maturity | 5,395,000 | 6,510,000 | 7,661,000 | 7,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,561,000 | 249,909,000 | 253,722,000 | 274,131,000 |
| Interest-bearing deposits | 181,851,000 | 179,323,000 | 179,230,000 | 198,555,000 |
| Noninterest-bearing deposits | 73,710,000 | 70,586,000 | 74,492,000 | 75,576,000 |
| Equity capital | 25,543,000 | 24,198,000 | 24,705,000 | 25,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,859,000 | 5,658,000 | 8,507,000 | 11,348,000 |
| Interest expense | 252,000 | 503,000 | 736,000 | 989,000 |
| Net interest income | 2,607,000 | 5,155,000 | 7,771,000 | 10,359,000 |
| Noninterest income | 837,000 | 1,887,000 | 2,648,000 | 3,346,000 |
| Noninterest expense | 2,299,000 | 4,798,000 | 7,093,000 | 9,453,000 |
| Provision for loan losses | 150,000 | 450,000 | 450,000 | 450,000 |
| Pretax income | 1,016,000 | 1,808,000 | 2,890,000 | 3,816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,016,000 | 1,808,000 | 2,890,000 | 3,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,168,000 | 22,200,000 | 22,986,000 | 23,616,000 |
| Total capital | 24,741,000 | 24,826,000 | 25,605,000 | 26,321,000 |
| Risk-weighted assets | 204,426,000 | 208,435,000 | 207,804,000 | 214,657,000 |