Call reports 2007
F&M BANK — 2007
What F&M BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 100,476,000 | 101,655,000 | 98,107,000 | 105,727,000 |
| Total loans | 73,919,000 | 74,085,000 | 72,564,000 | 70,230,000 |
| Allowance for loan losses | 1,002,000 | 1,003,000 | 1,005,000 | 999,000 |
| Securities available for sale | 14,600,000 | 14,395,000 | 13,132,000 | 13,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,011,000 | 88,706,000 | 84,912,000 | 92,970,000 |
| Interest-bearing deposits | 78,527,000 | 78,954,000 | 76,214,000 | 80,046,000 |
| Noninterest-bearing deposits | 9,484,000 | 9,752,000 | 8,698,000 | 12,924,000 |
| Equity capital | 7,413,000 | 7,722,000 | 8,109,000 | 7,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,410,000 | 5,115,000 | 6,763,000 |
| Interest expense | 847,000 | 1,743,000 | 2,626,000 | 3,456,000 |
| Net interest income | 831,000 | 1,667,000 | 2,489,000 | 3,307,000 |
| Noninterest income | 191,000 | 371,000 | 576,000 | 658,000 |
| Noninterest expense | 649,000 | 1,281,000 | 2,045,000 | 2,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 373,000 | 757,000 | 1,020,000 | 1,178,000 |
| Income tax | 9,000 | 17,000 | 25,000 | 42,000 |
| Net income | 364,000 | 740,000 | 995,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,501,000 | 7,876,000 | 8,131,000 | 7,823,000 |
| Total capital | 8,503,000 | 8,879,000 | 9,136,000 | 8,822,000 |
| Risk-weighted assets | 81,033,000 | 81,919,000 | 81,798,000 | 81,582,000 |