Call reports 2015
F&M BANK — 2015
What F&M BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 273,339,000 | 264,505,000 | 265,586,000 | 277,918,000 |
| Total loans | 186,390,000 | 190,133,000 | 190,674,000 | 209,013,000 |
| Allowance for loan losses | 2,272,000 | 2,273,000 | 2,267,000 | 2,384,000 |
| Securities available for sale | 50,829,000 | 52,219,000 | 51,312,000 | 43,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,073,000 | 224,022,000 | 233,684,000 | 246,871,000 |
| Interest-bearing deposits | 179,929,000 | 170,583,000 | 177,259,000 | 177,679,000 |
| Noninterest-bearing deposits | 61,144,000 | 53,439,000 | 56,425,000 | 69,192,000 |
| Equity capital | 25,213,000 | 24,868,000 | 25,851,000 | 25,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,842,000 | 7,335,000 | 9,807,000 |
| Interest expense | 202,000 | 399,000 | 591,000 | 775,000 |
| Net interest income | 2,249,000 | 4,443,000 | 6,744,000 | 9,032,000 |
| Noninterest income | 551,000 | 1,127,000 | 1,735,000 | 2,512,000 |
| Noninterest expense | 1,878,000 | 3,718,000 | 5,718,000 | 7,844,000 |
| Provision for loan losses | 0 | 0 | 0 | 280,000 |
| Pretax income | 990,000 | 1,920,000 | 2,829,000 | 3,662,000 |
| Income tax | 27,000 | 56,000 | 85,000 | 115,000 |
| Net income | 963,000 | 1,864,000 | 2,744,000 | 3,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,545,000 | 24,446,000 | 25,326,000 | 24,930,000 |
| Total capital | 26,853,000 | 26,755,000 | 27,629,000 | 27,350,000 |
| Risk-weighted assets | 230,110,000 | 222,778,000 | 224,329,000 | 236,330,000 |