Call reports 2006
F&M BANK — 2006
What F&M BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 86,218,000 | 90,574,000 | 94,921,000 | 99,580,000 |
| Total loans | 64,794,000 | 66,983,000 | 67,716,000 | 76,242,000 |
| Allowance for loan losses | 938,000 | 954,000 | 980,000 | 1,001,000 |
| Securities available for sale | 17,330,000 | 16,915,000 | 13,841,000 | 14,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,418,000 | 74,853,000 | 82,618,000 | 87,148,000 |
| Interest-bearing deposits | 63,793,000 | 65,691,000 | 74,593,000 | 76,539,000 |
| Noninterest-bearing deposits | 10,625,000 | 9,162,000 | 8,025,000 | 10,609,000 |
| Equity capital | 6,625,000 | 6,524,000 | 7,083,000 | 7,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,982,000 | 4,523,000 | 6,170,000 |
| Interest expense | 641,000 | 1,322,000 | 2,081,000 | 2,899,000 |
| Net interest income | 827,000 | 1,660,000 | 2,442,000 | 3,271,000 |
| Noninterest income | 84,000 | 154,000 | 270,000 | 573,000 |
| Noninterest expense | 492,000 | 1,018,000 | 1,502,000 | 2,411,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 50,000 |
| Pretax income | 419,000 | 781,000 | 1,180,000 | 1,383,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 36,000 |
| Net income | 411,000 | 765,000 | 1,155,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,900,000 | 6,854,000 | 7,244,000 | 7,137,000 |
| Total capital | 7,753,000 | 7,757,000 | 8,175,000 | 8,138,000 |
| Risk-weighted assets | 68,157,000 | 72,212,000 | 74,418,000 | 81,417,000 |