Call reports 2012
F&M BANK AND TRUST COMPANY — 2012
What F&M BANK AND TRUST COMPANY 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 | 176,455,000 | 164,941,000 | 160,526,000 | 142,111,000 |
| Total loans | 132,760,000 | 131,881,000 | 118,015,000 | 108,893,000 |
| Allowance for loan losses | 1,865,000 | 1,898,000 | 2,488,000 | 2,152,000 |
| Securities available for sale | 20,445,000 | 17,351,000 | 16,629,000 | 15,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,773,000 | 128,268,000 | 127,320,000 | 108,666,000 |
| Interest-bearing deposits | 126,381,000 | 109,445,000 | 107,415,000 | 91,171,000 |
| Noninterest-bearing deposits | 16,392,000 | 18,823,000 | 19,905,000 | 17,495,000 |
| Equity capital | 14,488,000 | 14,450,000 | 13,912,000 | 13,922,000 |
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 | 1,831,000 | 3,557,000 | 5,102,000 | 6,520,000 |
| Interest expense | 387,000 | 742,000 | 1,080,000 | 1,398,000 |
| Net interest income | 1,444,000 | 2,815,000 | 4,022,000 | 5,122,000 |
| Noninterest income | 1,799,000 | 3,093,000 | 4,889,000 | 6,760,000 |
| Noninterest expense | 3,188,000 | 5,890,000 | 8,971,000 | 12,146,000 |
| Provision for loan losses | 40,000 | 80,000 | 801,000 | 801,000 |
| Pretax income | 15,000 | 93,000 | -706,000 | -910,000 |
| Income tax | 4,000 | 14,000 | -232,000 | -322,000 |
| Net income | 11,000 | 79,000 | -474,000 | -588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,084,000 | 13,142,000 | 12,642,000 | 12,688,000 |
| Total capital | 14,481,000 | 14,519,000 | 13,925,000 | 13,904,000 |
| Risk-weighted assets | 111,188,000 | 109,537,000 | 101,294,000 | 96,207,000 |