Call reports 2013
F&M BANK — 2013
What F&M BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 254,291,000 | 251,564,000 | 247,572,000 | 261,437,000 |
| Total loans | 145,539,000 | 158,553,000 | 153,539,000 | 172,798,000 |
| Allowance for loan losses | 2,210,000 | 2,180,000 | 2,133,000 | 2,113,000 |
| Securities available for sale | 86,066,000 | 71,296,000 | 68,687,000 | 63,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,132,000 | 215,019,000 | 212,238,000 | 229,652,000 |
| Interest-bearing deposits | 178,059,000 | 173,194,000 | 169,267,000 | 177,288,000 |
| Noninterest-bearing deposits | 45,073,000 | 41,825,000 | 42,971,000 | 52,364,000 |
| Equity capital | 24,900,000 | 24,975,000 | 25,633,000 | 26,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,403,000 | 6,630,000 | 8,882,000 |
| Interest expense | 273,000 | 531,000 | 776,000 | 1,015,000 |
| Net interest income | 1,899,000 | 3,872,000 | 5,854,000 | 7,867,000 |
| Noninterest income | 544,000 | 1,108,000 | 1,669,000 | 2,332,000 |
| Noninterest expense | 1,870,000 | 3,680,000 | 5,588,000 | 7,533,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 573,000 | 1,370,000 | 2,032,000 | 2,763,000 |
| Income tax | 26,000 | 52,000 | 78,000 | 105,000 |
| Net income | 547,000 | 1,318,000 | 1,954,000 | 2,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,793,000 | 24,567,000 | 25,205,000 | 25,913,000 |
| Total capital | 26,039,000 | 26,783,000 | 27,374,000 | 28,062,000 |
| Risk-weighted assets | 198,193,000 | 210,097,000 | 206,273,000 | 223,469,000 |