Call reports 2011
F&M BANK — 2011
What F&M BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 278,732,000 | 297,700,000 | 278,647,000 | 277,163,000 |
| Total loans | 171,360,000 | 164,706,000 | 152,545,000 | 155,830,000 |
| Allowance for loan losses | 2,371,000 | 2,426,000 | 2,451,000 | 2,008,000 |
| Securities available for sale | 65,055,000 | 92,788,000 | 100,208,000 | 88,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,921,000 | 261,523,000 | 240,308,000 | 245,960,000 |
| Interest-bearing deposits | 204,475,000 | 222,762,000 | 200,672,000 | 197,141,000 |
| Noninterest-bearing deposits | 37,446,000 | 38,761,000 | 39,636,000 | 48,819,000 |
| Equity capital | 22,043,000 | 23,048,000 | 24,104,000 | 23,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,682,000 | 5,483,000 | 8,299,000 | 10,947,000 |
| Interest expense | 657,000 | 1,292,000 | 1,834,000 | 2,319,000 |
| Net interest income | 2,025,000 | 4,191,000 | 6,465,000 | 8,628,000 |
| Noninterest income | 509,000 | 930,000 | 1,397,000 | 1,904,000 |
| Noninterest expense | 1,732,000 | 3,471,000 | 5,274,000 | 7,063,000 |
| Provision for loan losses | 250,000 | 600,000 | 950,000 | 1,100,000 |
| Pretax income | 552,000 | 1,050,000 | 1,638,000 | 2,378,000 |
| Income tax | 28,000 | 54,000 | 81,000 | 94,000 |
| Net income | 524,000 | 996,000 | 1,557,000 | 2,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,052,000 | 22,524,000 | 23,085,000 | 22,779,000 |
| Total capital | 24,459,000 | 24,986,000 | 25,572,000 | 24,823,000 |
| Risk-weighted assets | 209,051,000 | 216,823,000 | 209,769,000 | 210,823,000 |