Call reports 2025
F&M BANK — 2025
What F&M BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 345,628,000 | 338,853,000 | 340,359,000 | 377,441,000 |
| Total loans | 288,308,000 | 280,445,000 | 285,901,000 | 299,456,000 |
| Allowance for loan losses | 3,497,000 | 3,646,000 | 3,795,000 | 3,634,000 |
| Securities available for sale | 27,116,000 | 22,188,000 | 17,123,000 | 11,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,613,000 | 296,960,000 | 297,291,000 | 335,103,000 |
| Interest-bearing deposits | 219,500,000 | 213,290,000 | 216,813,000 | 238,939,000 |
| Noninterest-bearing deposits | 86,113,000 | 83,670,000 | 80,478,000 | 96,164,000 |
| Equity capital | 38,487,000 | 40,112,000 | 41,455,000 | 38,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,793,000 | 9,684,000 | 14,575,000 | 19,608,000 |
| Interest expense | 1,382,000 | 2,755,000 | 4,107,000 | 5,536,000 |
| Net interest income | 3,411,000 | 6,929,000 | 10,468,000 | 14,072,000 |
| Noninterest income | 840,000 | 1,640,000 | 2,474,000 | 3,334,000 |
| Noninterest expense | 2,586,000 | 5,189,000 | 8,161,000 | 11,047,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 500,000 |
| Pretax income | 1,565,000 | 3,130,000 | 4,381,000 | 5,859,000 |
| Income tax | 29,000 | 67,000 | 100,000 | 94,000 |
| Net income | 1,536,000 | 3,063,000 | 4,281,000 | 5,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,974,000 | 40,501,000 | 41,719,000 | 38,203,000 |