Call reports 2019
F&M BANK — 2019
What F&M BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 287,997,000 | 278,699,000 | 276,913,000 | 301,023,000 |
| Total loans | 225,450,000 | 218,409,000 | 211,093,000 | 237,114,000 |
| Allowance for loan losses | 2,671,000 | 2,645,000 | 2,643,000 | 2,628,000 |
| Securities available for sale | 35,273,000 | 33,143,000 | 25,895,000 | 29,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,432,000 | 247,206,000 | 243,092,000 | 267,970,000 |
| Interest-bearing deposits | 186,225,000 | 179,687,000 | 175,389,000 | 194,439,000 |
| Noninterest-bearing deposits | 68,207,000 | 67,519,000 | 67,703,000 | 73,531,000 |
| Equity capital | 28,575,000 | 28,919,000 | 30,120,000 | 28,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,024,000 | 6,148,000 | 9,231,000 | 12,240,000 |
| Interest expense | 662,000 | 1,324,000 | 1,992,000 | 2,613,000 |
| Net interest income | 2,362,000 | 4,824,000 | 7,239,000 | 9,627,000 |
| Noninterest income | 592,000 | 1,219,000 | 1,873,000 | 2,544,000 |
| Noninterest expense | 2,019,000 | 3,882,000 | 5,740,000 | 7,647,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 939,000 | 2,165,000 | 3,376,000 | 4,528,000 |
| Income tax | 29,000 | 64,000 | 95,000 | 125,000 |
| Net income | 910,000 | 2,101,000 | 3,281,000 | 4,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,728,000 | 28,918,000 | 30,098,000 | 28,718,000 |
| Total capital | 31,455,000 | 31,619,000 | 32,797,000 | 31,402,000 |
| Risk-weighted assets | 246,157,000 | 237,595,000 | 231,652,000 | 255,121,000 |