Call reports 2015
FM BANK AND TRUST — 2015
What FM BANK AND TRUST 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 | 418,413,000 | 424,421,000 | 455,205,000 | 448,378,000 |
| Total loans | 355,170,000 | 371,903,000 | 394,186,000 | 384,135,000 |
| Allowance for loan losses | 4,922,000 | 5,093,000 | 5,343,000 | 5,421,000 |
| Securities available for sale | 21,492,000 | 22,597,000 | 22,276,000 | 21,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,844,000 | 361,032,000 | 359,869,000 | 383,762,000 |
| Interest-bearing deposits | 362,274,000 | 345,244,000 | 345,652,000 | 366,996,000 |
| Noninterest-bearing deposits | 13,570,000 | 15,788,000 | 14,217,000 | 16,766,000 |
| Equity capital | 40,535,000 | 41,160,000 | 42,049,000 | 42,567,000 |
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 | 4,788,000 | 9,751,000 | 14,948,000 | 20,238,000 |
| Interest expense | 408,000 | 831,000 | 1,304,000 | 1,846,000 |
| Net interest income | 4,380,000 | 8,920,000 | 13,644,000 | 18,392,000 |
| Noninterest income | 589,000 | 1,275,000 | 1,972,000 | 2,712,000 |
| Noninterest expense | 2,583,000 | 5,220,000 | 7,917,000 | 10,905,000 |
| Provision for loan losses | 100,000 | 250,000 | 425,000 | 500,000 |
| Pretax income | 2,286,000 | 4,725,000 | 7,274,000 | 9,703,000 |
| Income tax | 47,000 | 117,000 | 185,000 | 247,000 |
| Net income | 2,239,000 | 4,608,000 | 7,089,000 | 9,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,186,000 | 40,944,000 | 41,726,000 | 42,322,000 |
| Total capital | 44,984,000 | 45,865,000 | 46,892,000 | 47,388,000 |
| Risk-weighted assets | 383,672,000 | 393,450,000 | 413,121,000 | 404,924,000 |