Call reports 2009
F & M BANK AND TRUST COMPANY — 2009
What F & M BANK AND TRUST COMPANY 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 | 103,643,000 | 104,725,000 | 114,338,000 | 109,295,000 |
| Total loans | 77,082,000 | 76,652,000 | 75,290,000 | 75,743,000 |
| Allowance for loan losses | 1,538,000 | 1,328,000 | 1,033,000 | 1,416,000 |
| Securities available for sale | 7,165,000 | 6,478,000 | 6,198,000 | 5,869,000 |
| Securities held to maturity | 55,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,772,000 | 82,122,000 | 92,716,000 | 88,620,000 |
| Interest-bearing deposits | 73,262,000 | 73,226,000 | 78,104,000 | 80,825,000 |
| Noninterest-bearing deposits | 7,510,000 | 8,896,000 | 14,612,000 | 7,795,000 |
| Equity capital | 14,586,000 | 14,384,000 | 14,214,000 | 13,815,000 |
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 | 1,437,000 | 3,046,000 | 4,528,000 | 5,984,000 |
| Interest expense | 559,000 | 1,056,000 | 1,579,000 | 2,101,000 |
| Net interest income | 878,000 | 1,990,000 | 2,949,000 | 3,883,000 |
| Noninterest income | 167,000 | 278,000 | 456,000 | 728,000 |
| Noninterest expense | 1,130,000 | 2,309,000 | 3,445,000 | 3,643,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,250,000 |
| Pretax income | -230,000 | -336,000 | -485,000 | -277,000 |
| Income tax | 0 | 0 | 0 | 604,000 |
| Net income | -230,000 | -336,000 | -485,000 | -881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,566,000 | 14,378,000 | 14,147,000 | 13,750,000 |
| Total capital | 15,659,000 | 15,467,000 | 15,180,000 | 14,849,000 |
| Risk-weighted assets | 87,013,000 | 86,847,000 | 88,333,000 | 87,633,000 |