Call reports 2015
F&M BANK — 2015
What F&M BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 367,632,000 | 361,376,000 | 353,362,000 | 377,750,000 |
| Total loans | 199,439,000 | 205,400,000 | 212,753,000 | 238,005,000 |
| Allowance for loan losses | 3,188,000 | 3,157,000 | 3,086,000 | 2,821,000 |
| Securities available for sale | 108,012,000 | 110,157,000 | 98,425,000 | 88,250,000 |
| Securities held to maturity | 10,356,000 | 9,739,000 | 9,138,000 | 9,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,863,000 | 315,297,000 | 309,165,000 | 328,411,000 |
| Interest-bearing deposits | 222,823,000 | 218,336,000 | 214,576,000 | 231,084,000 |
| Noninterest-bearing deposits | 102,040,000 | 96,961,000 | 94,589,000 | 97,327,000 |
| Equity capital | 29,677,000 | 30,048,000 | 31,206,000 | 31,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,113,000 | 6,338,000 | 9,691,000 | 13,147,000 |
| Interest expense | 283,000 | 568,000 | 839,000 | 1,119,000 |
| Net interest income | 2,830,000 | 5,770,000 | 8,852,000 | 12,028,000 |
| Noninterest income | 806,000 | 1,577,000 | 2,429,000 | 3,417,000 |
| Noninterest expense | 2,406,000 | 4,906,000 | 7,593,000 | 10,589,000 |
| Provision for loan losses | 210,000 | 410,000 | 560,000 | 738,000 |
| Pretax income | 1,021,000 | 2,032,000 | 3,138,000 | 4,138,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,021,000 | 2,032,000 | 3,138,000 | 4,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,757,000 | 28,575,000 | 29,602,000 | 30,444,000 |
| Total capital | 30,578,000 | 31,518,000 | 32,609,000 | 33,265,000 |
| Risk-weighted assets | 225,323,000 | 235,193,000 | 240,462,000 | 272,579,000 |