Call reports 2012
F&M BANK MINNESOTA — 2012
What F&M BANK MINNESOTA 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 | 93,965,000 | 96,652,000 | 102,486,000 | 105,390,000 |
| Total loans | 52,412,000 | 55,309,000 | 58,121,000 | 65,973,000 |
| Allowance for loan losses | 364,000 | 463,000 | 463,000 | 500,000 |
| Securities available for sale | 27,867,000 | 29,985,000 | 29,872,000 | 29,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,309,000 | 73,422,000 | 75,559,000 | 86,522,000 |
| Interest-bearing deposits | 56,660,000 | 53,158,000 | 54,186,000 | 54,544,000 |
| Noninterest-bearing deposits | 21,649,000 | 20,264,000 | 21,373,000 | 31,978,000 |
| Equity capital | 8,475,000 | 8,703,000 | 9,154,000 | 9,409,000 |
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 | 874,000 | 1,790,000 | 2,716,000 | 3,712,000 |
| Interest expense | 135,000 | 270,000 | 398,000 | 521,000 |
| Net interest income | 739,000 | 1,520,000 | 2,318,000 | 3,191,000 |
| Noninterest income | 51,000 | 94,000 | 133,000 | 180,000 |
| Noninterest expense | 555,000 | 1,144,000 | 1,663,000 | 2,235,000 |
| Provision for loan losses | 60,000 | 166,000 | 166,000 | 203,000 |
| Pretax income | 175,000 | 284,000 | 602,000 | 913,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 173,000 | 282,000 | 600,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,477,000 | 7,587,000 | 7,904,000 | 8,215,000 |
| Total capital | 7,842,000 | 8,050,000 | 8,367,000 | 8,715,000 |
| Risk-weighted assets | 62,591,000 | 66,479,000 | 69,899,000 | 76,965,000 |
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