Call reports 2008
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2008
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 82,000,000 | 83,618,000 | 84,273,000 | 84,679,000 |
| Total loans | 57,381,000 | 61,574,000 | 63,712,000 | 64,818,000 |
| Allowance for loan losses | 633,000 | 665,000 | 1,223,000 | 997,000 |
| Securities available for sale | 14,433,000 | 13,787,000 | 14,253,000 | 14,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,209,000 | 71,426,000 | 72,457,000 | 74,955,000 |
| Interest-bearing deposits | 55,321,000 | 51,215,000 | 52,309,000 | 54,165,000 |
| Noninterest-bearing deposits | 17,888,000 | 20,211,000 | 20,148,000 | 20,790,000 |
| Equity capital | 7,981,000 | 7,833,000 | 7,357,000 | 7,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,521,000 | 3,708,000 | 4,785,000 |
| Interest expense | 372,000 | 665,000 | 956,000 | 1,212,000 |
| Net interest income | 906,000 | 1,856,000 | 2,752,000 | 3,573,000 |
| Noninterest income | 177,000 | 347,000 | 534,000 | 707,000 |
| Noninterest expense | 698,000 | 1,488,000 | 2,257,000 | 3,070,000 |
| Provision for loan losses | 30,000 | 75,000 | 690,000 | 1,065,000 |
| Pretax income | 365,000 | 650,000 | 349,000 | 155,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 650,000 | 349,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,724,000 | 7,709,000 | 7,258,000 | 7,064,000 |
| Total capital | 8,467,000 | 8,484,000 | 8,139,000 | 7,953,000 |
| Risk-weighted assets | 66,120,000 | 68,970,000 | 70,022,000 | 70,917,000 |