Call reports 2018
F&M BANK — 2018
What F&M BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 281,731,000 | 288,731,000 | 276,699,000 | 293,391,000 |
| Total loans | 215,222,000 | 223,919,000 | 218,081,000 | 229,957,000 |
| Allowance for loan losses | 2,670,000 | 2,673,000 | 2,672,000 | 2,671,000 |
| Securities available for sale | 48,192,000 | 46,358,000 | 43,208,000 | 39,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,766,000 | 237,080,000 | 234,418,000 | 248,837,000 |
| Interest-bearing deposits | 171,281,000 | 165,543,000 | 163,189,000 | 170,971,000 |
| Noninterest-bearing deposits | 71,485,000 | 71,537,000 | 71,229,000 | 77,866,000 |
| Equity capital | 28,046,000 | 27,892,000 | 27,965,000 | 27,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,787,000 | 8,752,000 | 11,874,000 |
| Interest expense | 333,000 | 734,000 | 1,195,000 | 1,730,000 |
| Net interest income | 2,482,000 | 5,053,000 | 7,557,000 | 10,144,000 |
| Noninterest income | 612,000 | 1,230,000 | 1,848,000 | 2,471,000 |
| Noninterest expense | 1,915,000 | 3,862,000 | 5,797,000 | 7,986,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,149,000 | 2,391,000 | 3,578,000 | 4,599,000 |
| Income tax | 29,000 | 59,000 | 88,000 | 118,000 |
| Net income | 1,120,000 | 2,332,000 | 3,490,000 | 4,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,556,000 | 28,368,000 | 28,526,000 | 27,817,000 |
| Total capital | 31,282,000 | 31,097,000 | 31,254,000 | 30,544,000 |
| Risk-weighted assets | 246,388,000 | 254,321,000 | 245,950,000 | 254,627,000 |