Call reports 2017
F&M BANK — 2017
What F&M BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 424,289,000 | 415,989,000 | 424,809,000 | 440,521,000 |
| Total loans | 281,624,000 | 276,785,000 | 292,107,000 | 300,148,000 |
| Allowance for loan losses | 3,913,000 | 3,896,000 | 3,899,000 | 4,057,000 |
| Securities available for sale | 82,753,000 | 84,533,000 | 78,113,000 | 73,088,000 |
| Securities held to maturity | 9,868,000 | 10,229,000 | 13,199,000 | 12,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,569,000 | 368,365,000 | 371,780,000 | 392,115,000 |
| Interest-bearing deposits | 271,828,000 | 262,685,000 | 262,291,000 | 283,341,000 |
| Noninterest-bearing deposits | 103,741,000 | 105,680,000 | 109,489,000 | 108,774,000 |
| Equity capital | 37,775,000 | 36,218,000 | 36,786,000 | 37,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,993,000 | 8,085,000 | 12,243,000 | 16,601,000 |
| Interest expense | 313,000 | 656,000 | 984,000 | 1,344,000 |
| Net interest income | 3,680,000 | 7,429,000 | 11,259,000 | 15,257,000 |
| Noninterest income | 1,189,000 | 2,522,000 | 3,997,000 | 5,483,000 |
| Noninterest expense | 3,347,000 | 6,990,000 | 10,793,000 | 14,829,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,523,000 | 2,960,000 | 4,474,000 | 5,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,523,000 | 2,960,000 | 4,474,000 | 5,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,141,000 | 35,146,000 | 35,879,000 | 37,295,000 |
| Total capital | 41,054,000 | 38,876,000 | 39,759,000 | 41,352,000 |
| Risk-weighted assets | 313,911,000 | 298,273,000 | 310,349,000 | 333,152,000 |