Call reports 2007
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2007
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 75,525,000 | 77,047,000 | 78,960,000 | 83,540,000 |
| Total loans | 45,197,000 | 47,314,000 | 50,263,000 | 54,863,000 |
| Allowance for loan losses | 647,000 | 494,000 | 536,000 | 606,000 |
| Securities available for sale | 17,281,000 | 20,707,000 | 21,337,000 | 19,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,293,000 | 69,074,000 | 68,396,000 | 70,740,000 |
| Interest-bearing deposits | 51,723,000 | 52,244,000 | 51,331,000 | 51,481,000 |
| Noninterest-bearing deposits | 16,570,000 | 16,830,000 | 17,065,000 | 19,259,000 |
| Equity capital | 6,491,000 | 6,351,000 | 7,018,000 | 7,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,187,000 | 2,427,000 | 3,739,000 | 5,060,000 |
| Interest expense | 460,000 | 931,000 | 1,442,000 | 1,894,000 |
| Net interest income | 727,000 | 1,496,000 | 2,297,000 | 3,166,000 |
| Noninterest income | 179,000 | 343,000 | 525,000 | 688,000 |
| Noninterest expense | 641,000 | 1,289,000 | 1,872,000 | 2,636,000 |
| Provision for loan losses | 60,000 | 90,000 | 135,000 | 190,000 |
| Pretax income | 205,000 | 460,000 | 815,000 | 1,028,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 460,000 | 815,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,583,000 | 6,788,000 | 7,146,000 | 7,359,000 |
| Total capital | 7,230,000 | 7,408,000 | 7,808,000 | 8,075,000 |
| Risk-weighted assets | 54,620,000 | 56,475,000 | 59,656,000 | 66,481,000 |