Call reports 2009
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2009
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,132,000 | 80,967,000 | 80,788,000 | 79,473,000 |
| Total loans | 60,837,000 | 59,871,000 | 56,017,000 | 54,097,000 |
| Allowance for loan losses | 963,000 | 815,000 | 776,000 | 1,093,000 |
| Securities available for sale | 14,201,000 | 10,039,000 | 13,081,000 | 13,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,233,000 | 72,940,000 | 72,789,000 | 71,820,000 |
| Interest-bearing deposits | 56,193,000 | 52,207,000 | 53,462,000 | 52,995,000 |
| Noninterest-bearing deposits | 23,041,000 | 20,733,000 | 19,328,000 | 18,824,000 |
| Equity capital | 7,250,000 | 7,443,000 | 7,337,000 | 6,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,091,000 | 3,066,000 | 4,028,000 |
| Interest expense | 224,000 | 409,000 | 579,000 | 745,000 |
| Net interest income | 849,000 | 1,682,000 | 2,487,000 | 3,283,000 |
| Noninterest income | 201,000 | 381,000 | 564,000 | 166,000 |
| Noninterest expense | 762,000 | 1,536,000 | 2,301,000 | 2,672,000 |
| Provision for loan losses | 190,000 | 265,000 | 645,000 | 1,163,000 |
| Pretax income | 159,000 | 333,000 | 176,000 | -279,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 159,000 | 333,000 | 176,000 | -279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,173,000 | 7,345,000 | 7,189,000 | 6,735,000 |
| Total capital | 8,026,000 | 8,175,000 | 7,992,000 | 7,524,000 |
| Risk-weighted assets | 68,039,000 | 66,380,000 | 64,188,000 | 62,743,000 |