Call reports 2015
F&M BANK — 2015
What F&M BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 857,014,000 | 860,906,000 | 860,998,000 | 907,851,000 |
| Total loans | 696,772,000 | 713,428,000 | 709,276,000 | 695,004,000 |
| Allowance for loan losses | 5,081,000 | 4,975,000 | 4,743,000 | 160,000 |
| Securities available for sale | 67,013,000 | 67,218,000 | 72,171,000 | 28,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 712,510,000 | 693,368,000 | 690,330,000 | 729,784,000 |
| Interest-bearing deposits | 626,103,000 | 608,628,000 | 597,384,000 | 611,692,000 |
| Noninterest-bearing deposits | 86,407,000 | 84,740,000 | 92,946,000 | 118,092,000 |
| Equity capital | 72,564,000 | 73,093,000 | 74,322,000 | 111,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,185,000 | 16,602,000 | 25,232,000 | 5,078,000 |
| Interest expense | 1,251,000 | 2,536,000 | 3,839,000 | 848,000 |
| Net interest income | 6,934,000 | 14,066,000 | 21,393,000 | 4,230,000 |
| Noninterest income | 4,569,000 | 10,577,000 | 15,894,000 | 2,998,000 |
| Noninterest expense | 9,424,000 | 20,005,000 | 30,011,000 | 6,364,000 |
| Provision for loan losses | 66,000 | 66,000 | 566,000 | 176,000 |
| Pretax income | 2,007,000 | 4,633,000 | 6,771,000 | 1,226,000 |
| Income tax | 594,000 | 1,411,000 | 2,076,000 | 689,000 |
| Net income | 1,263,000 | 2,931,000 | 4,264,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,596,000 | 78,624,000 | 79,285,000 | 84,723,000 |
| Total capital | 82,704,000 | 83,611,000 | 84,051,000 | 84,893,000 |
| Risk-weighted assets | 716,764,000 | 729,861,000 | 737,443,000 | 720,635,000 |