Call reports 2005
F&M BANK — 2005
What F&M BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 81,950,000 | 84,386,000 | 85,470,000 | 92,300,000 |
| Total loans | 60,120,000 | 57,695,000 | 62,015,000 | 68,859,000 |
| Allowance for loan losses | 931,000 | 930,000 | 931,000 | 936,000 |
| Securities available for sale | 17,579,000 | 17,921,000 | 18,955,000 | 17,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,986,000 | 71,885,000 | 67,270,000 | 71,887,000 |
| Interest-bearing deposits | 58,126,000 | 60,441,000 | 58,240,000 | 60,818,000 |
| Noninterest-bearing deposits | 8,860,000 | 11,444,000 | 9,030,000 | 11,069,000 |
| Equity capital | 6,167,000 | 6,060,000 | 6,080,000 | 6,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,295,000 | 3,509,000 | 4,867,000 |
| Interest expense | 370,000 | 772,000 | 1,222,000 | 1,806,000 |
| Net interest income | 749,000 | 1,523,000 | 2,287,000 | 3,061,000 |
| Noninterest income | 116,000 | 208,000 | 280,000 | 323,000 |
| Noninterest expense | 490,000 | 1,016,000 | 1,486,000 | 2,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 375,000 | 715,000 | 1,081,000 | 1,311,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 33,000 |
| Net income | 367,000 | 699,000 | 1,057,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,453,000 | 6,210,000 | 6,268,000 | 6,489,000 |
| Total capital | 7,260,000 | 6,999,000 | 7,096,000 | 7,399,000 |
| Risk-weighted assets | 64,425,000 | 62,952,000 | 66,146,000 | 72,737,000 |