Call reports 2016
F&M BANK — 2016
What F&M BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 888,326,000 | 929,877,000 | 947,140,000 | 978,809,000 |
| Total loans | 699,349,000 | 737,802,000 | 757,612,000 | 790,517,000 |
| Allowance for loan losses | 452,000 | 680,000 | 1,128,000 | 1,498,000 |
| Securities available for sale | 33,064,000 | 50,521,000 | 62,143,000 | 70,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 702,513,000 | 701,576,000 | 745,329,000 | 751,935,000 |
| Interest-bearing deposits | 603,469,000 | 596,713,000 | 634,800,000 | 640,732,000 |
| Noninterest-bearing deposits | 99,044,000 | 104,863,000 | 110,529,000 | 111,203,000 |
| Equity capital | 110,784,000 | 112,757,000 | 113,383,000 | 112,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,909,000 | 17,874,000 | 27,439,000 | 37,014,000 |
| Interest expense | 1,199,000 | 2,407,000 | 3,764,000 | 4,367,000 |
| Net interest income | 7,710,000 | 15,467,000 | 23,675,000 | 32,647,000 |
| Noninterest income | 4,813,000 | 10,902,000 | 17,187,000 | 22,712,000 |
| Noninterest expense | 10,657,000 | 21,284,000 | 32,052,000 | 43,722,000 |
| Provision for loan losses | 405,000 | 680,000 | 1,313,000 | 1,796,000 |
| Pretax income | 1,437,000 | 4,381,000 | 7,473,000 | 9,817,000 |
| Income tax | 536,000 | 1,665,000 | 2,993,000 | 3,736,000 |
| Net income | 901,000 | 2,716,000 | 4,480,000 | 6,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,720,000 | 85,445,000 | 86,261,000 | 87,155,000 |
| Total capital | 84,198,000 | 86,159,000 | 87,417,000 | 88,653,000 |
| Risk-weighted assets | 721,397,000 | 757,091,000 | 781,269,000 | 807,612,000 |