Call reports 2015
F&M BANK AND TRUST COMPANY — 2015
What F&M BANK AND TRUST COMPANY 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 | 112,968,000 | 112,540,000 | 114,277,000 | 119,289,000 |
| Total loans | 80,953,000 | 83,094,000 | 85,047,000 | 86,489,000 |
| Allowance for loan losses | 951,000 | 836,000 | 945,000 | 929,000 |
| Securities available for sale | 13,518,000 | 14,849,000 | 13,810,000 | 13,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,773,000 | 79,296,000 | 81,751,000 | 86,862,000 |
| Interest-bearing deposits | 62,616,000 | 62,691,000 | 65,338,000 | 71,176,000 |
| Noninterest-bearing deposits | 18,157,000 | 16,605,000 | 16,413,000 | 15,686,000 |
| Equity capital | 13,140,000 | 13,143,000 | 13,234,000 | 13,253,000 |
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 | 979,000 | 1,999,000 | 3,013,000 | 4,031,000 |
| Interest expense | 193,000 | 382,000 | 578,000 | 779,000 |
| Net interest income | 786,000 | 1,617,000 | 2,435,000 | 3,252,000 |
| Noninterest income | 803,000 | 1,006,000 | 1,274,000 | 1,400,000 |
| Noninterest expense | 1,114,000 | 2,081,000 | 3,088,000 | 3,963,000 |
| Provision for loan losses | 26,000 | 51,000 | 111,000 | 111,000 |
| Pretax income | 526,000 | 568,000 | 592,000 | 660,000 |
| Income tax | 171,000 | 167,000 | 152,000 | 154,000 |
| Net income | 355,000 | 401,000 | 440,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,774,000 | 10,856,000 | 10,918,000 | 11,025,000 |
| Total capital | 11,736,000 | 11,703,000 | 11,874,000 | 11,966,000 |
| Risk-weighted assets | 76,160,000 | 76,770,000 | 76,607,000 | 78,531,000 |