Call reports 2006
F&M BANK — 2006
What F&M BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 507,096,000 | 514,202,000 | 528,620,000 | 539,424,000 |
| Total loans | 393,486,000 | 404,542,000 | 420,398,000 | 431,949,000 |
| Allowance for loan losses | 3,485,000 | 3,393,000 | 3,551,000 | 3,590,000 |
| Securities available for sale | 50,245,000 | 52,385,000 | 57,506,000 | 61,498,000 |
| Securities held to maturity | 1,007,000 | 507,000 | 508,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,737,000 | 428,744,000 | 450,799,000 | 455,294,000 |
| Interest-bearing deposits | 374,707,000 | 371,473,000 | 389,447,000 | 400,479,000 |
| Noninterest-bearing deposits | 56,030,000 | 57,271,000 | 61,352,000 | 54,815,000 |
| Equity capital | 39,117,000 | 39,219,000 | 41,452,000 | 42,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,279,000 | 17,077,000 | 26,327,000 | 35,915,000 |
| Interest expense | 3,068,000 | 6,382,000 | 10,055,000 | 14,165,000 |
| Net interest income | 5,211,000 | 10,695,000 | 16,272,000 | 21,750,000 |
| Noninterest income | 1,394,000 | 2,935,000 | 4,388,000 | 5,803,000 |
| Noninterest expense | 4,486,000 | 9,171,000 | 13,573,000 | 18,797,000 |
| Provision for loan losses | 50,000 | 241,000 | 706,000 | 957,000 |
| Pretax income | 2,062,000 | 4,211,000 | 6,374,000 | 7,793,000 |
| Income tax | 676,000 | 1,449,000 | 2,215,000 | 1,875,000 |
| Net income | 1,386,000 | 2,762,000 | 4,159,000 | 5,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,431,000 | 40,008,000 | 41,504,000 | 42,230,000 |
| Total capital | 42,916,000 | 43,401,000 | 45,060,000 | 45,827,000 |
| Risk-weighted assets | 402,191,000 | 418,259,000 | 428,904,000 | 443,388,000 |