Call reports 2025
F&M BANK — 2025
What F&M BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,674,724,000 | 1,596,800,000 | 1,533,270,000 | 1,549,080,000 |
| Total loans | 1,176,791,000 | 1,172,184,000 | 1,165,319,000 | 1,151,691,000 |
| Allowance for loan losses | 8,420,000 | 8,435,000 | 8,339,000 | 8,396,000 |
| Securities available for sale | 186,656,000 | 173,203,000 | 171,466,000 | 147,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,499,239,000 | 1,424,987,000 | 1,360,846,000 | 1,366,308,000 |
| Interest-bearing deposits | 1,274,614,000 | 1,199,622,000 | 1,155,537,000 | 1,164,390,000 |
| Noninterest-bearing deposits | 224,625,000 | 225,365,000 | 205,309,000 | 201,918,000 |
| Equity capital | 146,847,000 | 143,881,000 | 145,210,000 | 157,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,902,000 | 41,812,000 | 62,756,000 | 82,841,000 |
| Interest expense | 8,504,000 | 16,611,000 | 24,491,000 | 31,796,000 |
| Net interest income | 12,398,000 | 25,201,000 | 38,265,000 | 51,045,000 |
| Noninterest income | 1,576,000 | 4,735,000 | 6,177,000 | 7,409,000 |
| Noninterest expense | 10,545,000 | 21,213,000 | 31,638,000 | 42,757,000 |
| Provision for loan losses | 25,000 | 79,000 | -13,000 | 81,000 |
| Pretax income | 3,451,000 | 8,730,000 | 12,946,000 | 15,866,000 |
| Income tax | 206,000 | 550,000 | 825,000 | 982,000 |
| Net income | 3,255,000 | 8,202,000 | 12,153,000 | 14,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,511,000 | 135,076,000 | 134,138,000 | 144,046,000 |
| Total capital | 146,725,000 | 143,271,000 | 142,243,000 | 152,115,000 |
| Risk-weighted assets | 1,232,279,000 | 1,206,558,000 | 1,203,803,000 | 1,174,087,000 |