Call reports 2025
F&M BANK AND TRUST COMPANY — 2025
What F&M BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 186,029,000 | 182,652,000 | 185,268,000 | 182,112,000 |
| Total loans | 112,983,000 | 115,334,000 | 117,293,000 | 117,471,000 |
| Allowance for loan losses | 1,261,000 | 1,328,000 | 1,328,000 | 1,326,000 |
| Securities available for sale | 44,334,000 | 44,401,000 | 44,610,000 | 42,711,000 |
| Securities held to maturity | 5,864,000 | 5,867,000 | 5,870,000 | 5,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,864,000 | 166,727,000 | 168,558,000 | 164,622,000 |
| Interest-bearing deposits | 133,597,000 | 130,358,000 | 131,799,000 | 129,294,000 |
| Noninterest-bearing deposits | 37,267,000 | 36,369,000 | 36,759,000 | 35,328,000 |
| Equity capital | 14,400,000 | 15,092,000 | 15,815,000 | 16,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,125,000 | 6,311,000 | 8,485,000 |
| Interest expense | 700,000 | 1,425,000 | 2,156,000 | 2,839,000 |
| Net interest income | 1,330,000 | 2,700,000 | 4,155,000 | 5,646,000 |
| Noninterest income | 178,000 | 355,000 | 552,000 | 724,000 |
| Noninterest expense | 1,104,000 | 2,222,000 | 3,377,000 | 4,557,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 829,000 | 1,281,000 | 1,800,000 |
| Income tax | 98,000 | 205,000 | 319,000 | 452,000 |
| Net income | 305,000 | 624,000 | 962,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,847,000 | 18,166,000 | 18,393,000 | 18,779,000 |
| Total capital | 19,123,000 | 19,514,000 | 19,746,000 | 20,130,000 |
| Risk-weighted assets | 116,702,000 | 118,249,000 | 119,803,000 | 119,183,000 |