Call reports 2012
F&M BANK — 2012
What F&M BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 277,285,000 | 272,875,000 | 263,705,000 | 267,159,000 |
| Total loans | 155,785,000 | 143,850,000 | 141,232,000 | 149,565,000 |
| Allowance for loan losses | 1,926,000 | 2,129,000 | 2,157,000 | 2,228,000 |
| Securities available for sale | 86,914,000 | 96,378,000 | 95,378,000 | 88,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,795,000 | 239,916,000 | 231,360,000 | 233,138,000 |
| Interest-bearing deposits | 199,337,000 | 197,092,000 | 185,667,000 | 180,848,000 |
| Noninterest-bearing deposits | 41,458,000 | 42,824,000 | 45,693,000 | 52,290,000 |
| Equity capital | 24,541,000 | 23,318,000 | 23,994,000 | 24,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,555,000 | 4,955,000 | 7,261,000 | 9,521,000 |
| Interest expense | 456,000 | 837,000 | 1,178,000 | 1,480,000 |
| Net interest income | 2,099,000 | 4,118,000 | 6,083,000 | 8,041,000 |
| Noninterest income | 426,000 | 1,071,000 | 1,603,000 | 2,165,000 |
| Noninterest expense | 1,769,000 | 3,604,000 | 5,463,000 | 7,351,000 |
| Provision for loan losses | -50,000 | 150,000 | 237,000 | 237,000 |
| Pretax income | 806,000 | 1,435,000 | 2,015,000 | 2,746,000 |
| Income tax | 25,000 | 51,000 | 77,000 | 103,000 |
| Net income | 781,000 | 1,384,000 | 1,938,000 | 2,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,560,000 | 21,963,000 | 22,517,000 | 23,242,000 |
| Total capital | 25,522,000 | 24,128,000 | 24,710,000 | 25,506,000 |
| Risk-weighted assets | 212,235,000 | 205,379,000 | 197,330,000 | 203,069,000 |