Call reports 2025
F&M BANK — 2025
What F&M BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 753,354,000 | 758,636,000 | 757,980,000 | 809,540,000 |
| Total loans | 541,364,000 | 564,476,000 | 577,860,000 | 604,588,000 |
| Allowance for loan losses | 6,754,000 | 7,046,000 | 8,077,000 | 9,583,000 |
| Securities available for sale | 130,254,000 | 120,712,000 | 117,246,000 | 111,467,000 |
| Securities held to maturity | 20,025,000 | 18,655,000 | 17,920,000 | 17,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,865,000 | 652,892,000 | 622,924,000 | 667,794,000 |
| Interest-bearing deposits | 499,607,000 | 499,324,000 | 468,034,000 | 519,300,000 |
| Noninterest-bearing deposits | 155,258,000 | 153,568,000 | 154,890,000 | 148,494,000 |
| Equity capital | 86,722,000 | 89,134,000 | 92,037,000 | 92,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,628,000 | 21,555,000 | 32,497,000 | 43,575,000 |
| Interest expense | 3,285,000 | 6,407,000 | 9,622,000 | 12,775,000 |
| Net interest income | 7,343,000 | 15,148,000 | 22,875,000 | 30,800,000 |
| Noninterest income | 1,012,000 | 2,154,000 | 3,350,000 | 4,411,000 |
| Noninterest expense | 4,731,000 | 9,575,000 | 14,842,000 | 20,431,000 |
| Provision for loan losses | 163,000 | 450,000 | 1,500,000 | 3,000,000 |
| Pretax income | 3,473,000 | 7,266,000 | 9,891,000 | 11,682,000 |
| Income tax | 108,000 | 265,000 | 361,000 | 487,000 |
| Net income | 3,365,000 | 7,001,000 | 9,530,000 | 11,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,474,000 | 92,610,000 | 94,139,000 | 94,703,000 |