Call reports 2005
F&M BANK — 2005
What F&M BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 473,578,000 | 482,565,000 | 491,792,000 | 491,687,000 |
| Total loans | 383,202,000 | 398,357,000 | 402,870,000 | 403,410,000 |
| Allowance for loan losses | 3,575,000 | 3,498,000 | 3,610,000 | 3,505,000 |
| Securities available for sale | 45,432,000 | 45,657,000 | 46,491,000 | 48,138,000 |
| Securities held to maturity | 1,372,000 | 1,252,000 | 1,252,000 | 1,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,129,000 | 407,317,000 | 415,773,000 | 411,584,000 |
| Interest-bearing deposits | 350,205,000 | 356,703,000 | 359,538,000 | 358,512,000 |
| Noninterest-bearing deposits | 49,924,000 | 50,614,000 | 56,235,000 | 53,071,000 |
| Equity capital | 35,664,000 | 37,614,000 | 38,416,000 | 38,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,887,000 | 14,164,000 | 22,210,000 | 30,293,000 |
| Interest expense | 2,422,000 | 4,964,000 | 7,799,000 | 10,821,000 |
| Net interest income | 4,465,000 | 9,200,000 | 14,411,000 | 19,472,000 |
| Noninterest income | 1,498,000 | 3,509,000 | 4,883,000 | 6,289,000 |
| Noninterest expense | 3,906,000 | 8,168,000 | 12,333,000 | 16,641,000 |
| Provision for loan losses | 206,000 | 560,000 | 905,000 | 1,555,000 |
| Pretax income | 1,851,000 | 3,981,000 | 6,056,000 | 7,565,000 |
| Income tax | 639,000 | 1,421,000 | 1,952,000 | 2,220,000 |
| Net income | 1,212,000 | 2,560,000 | 4,104,000 | 5,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,530,000 | 37,310,000 | 38,154,000 | 38,795,000 |
| Total capital | 39,238,000 | 40,808,000 | 41,764,000 | 42,300,000 |
| Risk-weighted assets | 372,811,000 | 387,580,000 | 393,995,000 | 404,264,000 |
Machine access — free, no API key
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