Call reports 2005
F & M BANK AND TRUST COMPANY — 2005
What F & M BANK AND TRUST COMPANY 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 | 61,438,000 | 64,316,000 | 69,248,000 | 76,273,000 |
| Total loans | 43,179,000 | 47,837,000 | 52,694,000 | 54,321,000 |
| Allowance for loan losses | 661,000 | 760,000 | 876,000 | 851,000 |
| Securities available for sale | 9,423,000 | 9,398,000 | 9,278,000 | 9,166,000 |
| Securities held to maturity | 183,000 | 178,000 | 178,000 | 182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,149,000 | 50,785,000 | 52,333,000 | 61,759,000 |
| Interest-bearing deposits | 38,429,000 | 40,194,000 | 10,449,000 | 43,869,000 |
| Noninterest-bearing deposits | 10,720,000 | 10,591,000 | 41,884,000 | 17,889,000 |
| Equity capital | 7,915,000 | 8,200,000 | 8,430,000 | 8,620,000 |
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 | 1,084,000 | 2,331,000 | 3,808,000 | 5,248,000 |
| Interest expense | 249,000 | 545,000 | 919,000 | 1,324,000 |
| Net interest income | 835,000 | 1,786,000 | 2,889,000 | 3,924,000 |
| Noninterest income | 211,000 | 464,000 | 713,000 | 994,000 |
| Noninterest expense | 737,000 | 1,519,000 | 2,403,000 | 3,280,000 |
| Provision for loan losses | 53,000 | 150,000 | 247,000 | 282,000 |
| Pretax income | 256,000 | 586,000 | 957,000 | 1,361,000 |
| Income tax | 90,000 | 180,000 | 276,000 | 431,000 |
| Net income | 166,000 | 406,000 | 681,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,958,000 | 8,194,000 | 8,469,000 | 8,710,000 |
| Total capital | 8,532,000 | 8,823,000 | 9,167,000 | 9,445,000 |
| Risk-weighted assets | 45,821,000 | 50,161,000 | 55,651,000 | 58,648,000 |