Call reports 2010
F&M BANK — 2010
What F&M BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 796,013,000 | 802,512,000 | 810,233,000 | 790,289,000 |
| Total loans | 628,759,000 | 652,106,000 | 653,074,000 | 639,659,000 |
| Allowance for loan losses | 5,319,000 | 5,642,000 | 4,838,000 | 5,895,000 |
| Securities available for sale | 73,370,000 | 64,149,000 | 57,706,000 | 76,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,703,000 | 661,069,000 | 673,463,000 | 656,529,000 |
| Interest-bearing deposits | 592,046,000 | 596,930,000 | 605,143,000 | 590,287,000 |
| Noninterest-bearing deposits | 69,657,000 | 64,140,000 | 68,319,000 | 66,243,000 |
| Equity capital | 58,523,000 | 60,084,000 | 59,639,000 | 59,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,829,000 | 19,730,000 | 29,755,000 | 39,751,000 |
| Interest expense | 3,441,000 | 6,506,000 | 9,417,000 | 11,928,000 |
| Net interest income | 6,388,000 | 13,224,000 | 20,338,000 | 27,823,000 |
| Noninterest income | 2,549,000 | 5,838,000 | 8,799,000 | 11,530,000 |
| Noninterest expense | 7,266,000 | 14,697,000 | 23,059,000 | 30,334,000 |
| Provision for loan losses | 212,000 | 1,082,000 | 2,067,000 | 3,506,000 |
| Pretax income | 1,787,000 | 4,048,000 | 5,466,000 | 6,957,000 |
| Income tax | 286,000 | 891,000 | 1,157,000 | 1,880,000 |
| Net income | 1,501,000 | 3,157,000 | 4,309,000 | 5,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,276,000 | 65,965,000 | 65,391,000 | 66,159,000 |
| Total capital | 69,617,000 | 71,639,000 | 70,265,000 | 72,071,000 |
| Risk-weighted assets | 619,838,000 | 625,026,000 | 623,685,000 | 612,734,000 |