Call reports 2009
F&M BANK — 2009
What F&M BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 762,415,000 | 760,372,000 | 778,255,000 | 793,141,000 |
| Total loans | 593,955,000 | 608,334,000 | 633,480,000 | 636,542,000 |
| Allowance for loan losses | 4,420,000 | 4,725,000 | 5,082,000 | 5,377,000 |
| Securities available for sale | 63,181,000 | 75,281,000 | 67,823,000 | 75,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,170,000 | 623,345,000 | 633,372,000 | 656,119,000 |
| Interest-bearing deposits | 552,249,000 | 552,179,000 | 560,516,000 | 585,822,000 |
| Noninterest-bearing deposits | 70,920,000 | 71,166,000 | 72,856,000 | 70,297,000 |
| Equity capital | 58,703,000 | 58,832,000 | 60,450,000 | 56,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,261,000 | 18,937,000 | 28,864,000 | 38,956,000 |
| Interest expense | 4,586,000 | 8,973,000 | 13,141,000 | 17,256,000 |
| Net interest income | 4,675,000 | 9,964,000 | 15,723,000 | 21,700,000 |
| Noninterest income | 2,966,000 | 6,357,000 | 9,883,000 | 14,896,000 |
| Noninterest expense | 6,572,000 | 14,241,000 | 22,474,000 | 30,860,000 |
| Provision for loan losses | 581,000 | 1,232,000 | 2,589,000 | 11,889,000 |
| Pretax income | 707,000 | 897,000 | 1,504,000 | -5,018,000 |
| Income tax | 18,000 | 131,000 | 28,000 | -3,084,000 |
| Net income | 589,000 | 567,000 | 1,605,000 | -1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,430,000 | 65,509,000 | 66,217,000 | 62,093,000 |
| Total capital | 69,868,000 | 70,251,000 | 71,324,000 | 67,487,000 |
| Risk-weighted assets | 597,947,000 | 609,391,000 | 626,003,000 | 619,111,000 |