Call reports 2005
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2005
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,635,000 | 52,972,000 | 55,663,000 | 57,078,000 |
| Total loans | 28,610,000 | 29,720,000 | 33,401,000 | 34,850,000 |
| Allowance for loan losses | 465,000 | 496,000 | 493,000 | 477,000 |
| Securities available for sale | 16,669,000 | 16,308,000 | 16,185,000 | 13,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,721,000 | 43,269,000 | 45,767,000 | 48,926,000 |
| Interest-bearing deposits | 31,140,000 | 30,824,000 | 32,300,000 | 34,823,000 |
| Noninterest-bearing deposits | 12,581,000 | 12,445,000 | 13,467,000 | 14,103,000 |
| Equity capital | 5,393,000 | 5,472,000 | 5,518,000 | 5,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,211,000 | 1,901,000 | 2,727,000 |
| Interest expense | 134,000 | 287,000 | 475,000 | 704,000 |
| Net interest income | 447,000 | 924,000 | 1,426,000 | 2,023,000 |
| Noninterest income | 146,000 | 290,000 | 432,000 | 574,000 |
| Noninterest expense | 485,000 | 1,072,000 | 1,611,000 | 2,113,000 |
| Provision for loan losses | 38,000 | 73,000 | 83,000 | 90,000 |
| Pretax income | 70,000 | 69,000 | 164,000 | 394,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 69,000 | 164,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,545,000 | 5,544,000 | 5,639,000 | 5,868,000 |
| Total capital | 6,010,000 | 6,025,000 | 6,132,000 | 6,345,000 |
| Risk-weighted assets | 37,422,000 | 38,426,000 | 43,334,000 | 43,833,000 |