Call reports 2006
F & M BANK AND TRUST COMPANY — 2006
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,878,000 | 79,621,000 | 82,354,000 | 86,457,000 |
| Total loans | 58,564,000 | 62,165,000 | 64,330,000 | 67,056,000 |
| Allowance for loan losses | 926,000 | 1,044,000 | 1,111,000 | 1,135,000 |
| Securities available for sale | 9,072,000 | 8,848,000 | 9,004,000 | 9,030,000 |
| Securities held to maturity | 80,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,187,000 | 59,747,000 | 58,873,000 | 62,900,000 |
| Interest-bearing deposits | 44,369,000 | 48,648,000 | 7,033,000 | 7,725,000 |
| Noninterest-bearing deposits | 16,818,000 | 11,099,000 | 51,840,000 | 55,175,000 |
| Equity capital | 8,828,000 | 13,958,000 | 14,373,000 | 14,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 3,137,000 | 4,891,000 | 6,756,000 |
| Interest expense | 411,000 | 852,000 | 1,365,000 | 1,964,000 |
| Net interest income | 1,043,000 | 2,285,000 | 3,526,000 | 4,792,000 |
| Noninterest income | 352,000 | 677,000 | 982,000 | 1,375,000 |
| Noninterest expense | 859,000 | 1,801,000 | 2,769,000 | 3,878,000 |
| Provision for loan losses | 102,000 | 233,000 | 330,000 | 453,000 |
| Pretax income | 434,000 | 928,000 | 1,409,000 | 1,836,000 |
| Income tax | 127,000 | 284,000 | 447,000 | 627,000 |
| Net income | 307,000 | 644,000 | 962,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,941,000 | 14,191,000 | 14,502,000 | 14,659,000 |
| Total capital | 9,713,000 | 15,017,000 | 15,362,000 | 15,575,000 |
| Risk-weighted assets | 61,605,000 | 65,862,000 | 68,578,000 | 73,039,000 |