Call reports 2016

F&M BANK AND TRUST COMPANY — 2016

Name: F&M BANK AND TRUST COMPANY — FFIEC call report 2016
Creator: F&M BANK AND TRUST COMPANY

What F&M BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.

PERIOD: 2016SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/6bfb04d1-c87e-4536-a59f-1db5472e9547/2016

Balance sheet

What the bank holds and owes at quarter end

Measure	2016Q1	2016Q2	2016Q3	2016Q4
Total assets	122,334,000	116,501,000	119,925,000	127,016,000
Total loans	88,071,000	89,785,000	95,789,000	106,333,000
Allowance for loan losses	959,000	958,000	1,180,000	1,195,000
Securities available for sale	13,729,000	12,462,000	11,369,000	10,127,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	90,154,000	84,217,000	88,614,000	100,460,000
Interest-bearing deposits	72,890,000	66,800,000	68,479,000	81,428,000
Noninterest-bearing deposits	17,264,000	17,417,000	20,135,000	19,032,000
Equity capital	13,317,000	13,411,000	12,445,000	12,444,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2016Q1	2016Q2	2016Q3	2016Q4
Interest income	1,000,000	1,995,000	2,963,000	4,043,000
Interest expense	205,000	412,000	619,000	800,000
Net interest income	795,000	1,583,000	2,344,000	3,243,000
Noninterest income	199,000	388,000	619,000	868,000
Noninterest expense	940,000	1,828,000	2,720,000	3,688,000
Provision for loan losses	0	0	1,537,000	1,557,000
Pretax income	54,000	143,000	-1,277,000	-1,117,000
Income tax	20,000	56,000	-417,000	-357,000
Net income	34,000	87,000	-860,000	-760,000

Basel measures — not reported for every quarter

Measure	2016Q1	2016Q2	2016Q3	2016Q4
Tier 1 capital	10,947,000	11,049,000	9,635,000	9,788,000
Total capital	11,906,000	12,011,000	10,691,000	10,956,000
Risk-weighted assets	81,033,000	79,206,000	83,460,000	92,526,000