Call reports 2012
F&M BANK — 2012
What F&M BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 785,034,000 | 819,628,000 | 811,019,000 | 816,987,000 |
| Total loans | 633,441,000 | 669,664,000 | 667,219,000 | 671,064,000 |
| Allowance for loan losses | 6,817,000 | 7,022,000 | 7,014,000 | 7,741,000 |
| Securities available for sale | 77,152,000 | 75,256,000 | 66,963,000 | 64,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 632,714,000 | 637,383,000 | 640,342,000 | 651,851,000 |
| Interest-bearing deposits | 553,405,000 | 558,437,000 | 570,853,000 | 577,370,000 |
| Noninterest-bearing deposits | 79,309,000 | 78,945,000 | 69,489,000 | 74,481,000 |
| Equity capital | 63,337,000 | 64,761,000 | 65,740,000 | 65,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,768,000 | 17,213,000 | 25,851,000 | 34,472,000 |
| Interest expense | 1,583,000 | 3,055,000 | 4,483,000 | 5,873,000 |
| Net interest income | 7,185,000 | 14,158,000 | 21,368,000 | 28,599,000 |
| Noninterest income | 3,184,000 | 7,594,000 | 12,090,000 | 16,635,000 |
| Noninterest expense | 7,524,000 | 15,635,000 | 24,140,000 | 32,532,000 |
| Provision for loan losses | 250,000 | 640,000 | 1,139,000 | 2,890,000 |
| Pretax income | 2,595,000 | 8,688,000 | 11,389,000 | 13,023,000 |
| Income tax | 755,000 | 2,799,000 | 3,819,000 | 4,303,000 |
| Net income | 1,690,000 | 5,598,000 | 7,139,000 | 8,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,602,000 | 71,711,000 | 72,201,000 | 72,409,000 |
| Total capital | 75,465,000 | 78,793,000 | 79,284,000 | 80,206,000 |
| Risk-weighted assets | 608,450,000 | 631,550,000 | 637,658,000 | 637,153,000 |