Call reports 2007
F&M BANK — 2007
What F&M BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 557,679,000 | 568,434,000 | 600,567,000 | 624,327,000 |
| Total loans | 439,823,000 | 462,022,000 | 485,994,000 | 501,678,000 |
| Allowance for loan losses | 3,747,000 | 3,874,000 | 3,720,000 | 3,669,000 |
| Securities available for sale | 60,345,000 | 55,276,000 | 59,231,000 | 63,107,000 |
| Securities held to maturity | 75,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,598,000 | 485,496,000 | 509,724,000 | 537,472,000 |
| Interest-bearing deposits | 419,996,000 | 424,448,000 | 450,168,000 | 479,548,000 |
| Noninterest-bearing deposits | 62,602,000 | 61,048,000 | 59,555,000 | 57,924,000 |
| Equity capital | 43,249,000 | 44,090,000 | 49,812,000 | 51,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,550,000 | 19,621,000 | 30,048,000 | 40,626,000 |
| Interest expense | 4,283,000 | 8,812,000 | 13,810,000 | 19,162,000 |
| Net interest income | 5,267,000 | 10,809,000 | 16,238,000 | 21,464,000 |
| Noninterest income | 1,435,000 | 3,056,000 | 4,526,000 | 6,093,000 |
| Noninterest expense | 4,898,000 | 9,753,000 | 14,702,000 | 20,016,000 |
| Provision for loan losses | 158,000 | 308,000 | 505,000 | 620,000 |
| Pretax income | 1,646,000 | 3,804,000 | 5,537,000 | 6,901,000 |
| Income tax | 537,000 | 1,172,000 | 1,730,000 | 1,868,000 |
| Net income | 1,109,000 | 2,632,000 | 3,807,000 | 5,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,039,000 | 44,695,000 | 49,871,000 | 51,097,000 |
| Total capital | 46,794,000 | 48,569,000 | 53,596,000 | 54,781,000 |
| Risk-weighted assets | 461,076,000 | 485,320,000 | 504,464,000 | 517,687,000 |