Call reports 2015
F&M BANK MINNESOTA — 2015
What F&M BANK MINNESOTA 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 | 115,996,000 | 119,464,000 | 116,340,000 | 120,934,000 |
| Total loans | 75,692,000 | 79,715,000 | 77,779,000 | 84,003,000 |
| Allowance for loan losses | 866,000 | 866,000 | 804,000 | 805,000 |
| Securities available for sale | 29,825,000 | 29,172,000 | 27,808,000 | 25,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,345,000 | 91,561,000 | 91,623,000 | 96,859,000 |
| Interest-bearing deposits | 67,153,000 | 64,796,000 | 64,418,000 | 69,369,000 |
| Noninterest-bearing deposits | 28,192,000 | 26,765,000 | 27,205,000 | 27,490,000 |
| Equity capital | 11,680,000 | 10,948,000 | 11,338,000 | 11,619,000 |
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 | 1,102,000 | 2,240,000 | 3,376,000 | 4,463,000 |
| Interest expense | 78,000 | 186,000 | 278,000 | 367,000 |
| Net interest income | 1,024,000 | 2,054,000 | 3,098,000 | 4,096,000 |
| Noninterest income | 78,000 | 141,000 | 204,000 | 304,000 |
| Noninterest expense | 653,000 | 1,382,000 | 2,023,000 | 2,723,000 |
| Provision for loan losses | 105,000 | 104,000 | 104,000 | 104,000 |
| Pretax income | 344,000 | 709,000 | 1,175,000 | 1,573,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 342,000 | 707,000 | 1,173,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,485,000 | 9,938,000 | 10,300,000 | 10,702,000 |
| Total capital | 11,351,000 | 10,804,000 | 11,104,000 | 11,507,000 |
| Risk-weighted assets | 88,046,000 | 97,409,000 | 95,678,000 | 102,140,000 |