Call reports 2010
F&M BANK — 2010
What F&M BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 108,772,000 | 110,496,000 | 243,985,000 | 271,536,000 |
| Total loans | 78,718,000 | 76,057,000 | 157,317,000 | 169,801,000 |
| Allowance for loan losses | 1,046,000 | 1,118,000 | 1,942,000 | 2,100,000 |
| Securities available for sale | 13,713,000 | 16,777,000 | 40,610,000 | 47,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,690,000 | 89,951,000 | 209,530,000 | 237,576,000 |
| Interest-bearing deposits | 74,891,000 | 75,730,000 | 175,981,000 | 196,499,000 |
| Noninterest-bearing deposits | 13,799,000 | 14,221,000 | 33,549,000 | 41,077,000 |
| Equity capital | 8,383,000 | 8,439,000 | 21,346,000 | 21,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,278,000 | 7,867,000 | 10,531,000 |
| Interest expense | 328,000 | 662,000 | 2,097,000 | 2,755,000 |
| Net interest income | 834,000 | 1,616,000 | 5,770,000 | 7,776,000 |
| Noninterest income | 188,000 | 400,000 | 1,728,000 | 2,284,000 |
| Noninterest expense | 824,000 | 1,717,000 | 5,438,000 | 7,271,000 |
| Provision for loan losses | 60,000 | 130,000 | 680,000 | 834,000 |
| Pretax income | 138,000 | 169,000 | 1,380,000 | 1,955,000 |
| Income tax | 6,000 | 12,000 | 48,000 | 69,000 |
| Net income | 132,000 | 157,000 | 1,332,000 | 1,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,348,000 | 20,974,000 | 21,528,000 |
| Total capital | 9,386,000 | 9,419,000 | 22,952,000 | 23,664,000 |
| Risk-weighted assets | 87,231,000 | 85,661,000 | 192,023,000 | 202,071,000 |