Call reports 2009
F&M BANK — 2009
What F&M BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 97,951,000 | 100,815,000 | 99,877,000 | 104,497,000 |
| Total loans | 75,062,000 | 68,651,000 | 74,281,000 | 78,937,000 |
| Allowance for loan losses | 815,000 | 846,000 | 902,000 | 984,000 |
| Securities available for sale | 12,714,000 | 11,138,000 | 12,773,000 | 12,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,266,000 | 87,283,000 | 86,329,000 | 91,327,000 |
| Interest-bearing deposits | 74,306,000 | 74,794,000 | 74,357,000 | 73,829,000 |
| Noninterest-bearing deposits | 10,960,000 | 12,489,000 | 11,972,000 | 17,498,000 |
| Equity capital | 8,073,000 | 8,230,000 | 8,310,000 | 8,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,394,000 | 3,582,000 | 4,792,000 |
| Interest expense | 452,000 | 865,000 | 1,247,000 | 1,602,000 |
| Net interest income | 752,000 | 1,529,000 | 2,335,000 | 3,190,000 |
| Noninterest income | 314,000 | 545,000 | 820,000 | 1,105,000 |
| Noninterest expense | 774,000 | 1,633,000 | 2,600,000 | 3,517,000 |
| Provision for loan losses | 50,000 | 80,000 | 120,000 | 200,000 |
| Pretax income | 242,000 | 362,000 | 436,000 | 579,000 |
| Income tax | 10,000 | 14,000 | 15,000 | 23,000 |
| Net income | 232,000 | 348,000 | 421,000 | 556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,010,000 | 8,125,000 | 8,198,000 | 8,191,000 |
| Total capital | 8,842,000 | 8,988,000 | 9,116,000 | 9,192,000 |
| Risk-weighted assets | 83,600,000 | 77,486,000 | 82,098,000 | 86,014,000 |