Call reports 2012
F & M BANK AND TRUST COMPANY — 2012
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,064,000 | 89,167,000 | 89,303,000 | 87,204,000 |
| Total loans | 58,408,000 | 56,649,000 | 54,316,000 | 54,533,000 |
| Allowance for loan losses | 1,785,000 | 2,273,000 | 2,184,000 | 2,032,000 |
| Securities available for sale | 7,950,000 | 7,800,000 | 7,737,000 | 7,578,000 |
| Securities held to maturity | 15,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,676,000 | 79,967,000 | 80,720,000 | 79,606,000 |
| Interest-bearing deposits | 71,923,000 | 70,650,000 | 71,400,000 | 70,552,000 |
| Noninterest-bearing deposits | 8,753,000 | 9,317,000 | 9,321,000 | 9,054,000 |
| Equity capital | 6,123,000 | 4,844,000 | 4,067,000 | 3,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 1,995,000 | 2,940,000 | 3,870,000 |
| Interest expense | 362,000 | 714,000 | 1,058,000 | 1,396,000 |
| Net interest income | 638,000 | 1,281,000 | 1,882,000 | 2,474,000 |
| Noninterest income | 118,000 | 286,000 | 381,000 | 378,000 |
| Noninterest expense | 1,067,000 | 2,485,000 | 3,985,000 | 5,341,000 |
| Provision for loan losses | 0 | 635,000 | 635,000 | 635,000 |
| Pretax income | -311,000 | -1,553,000 | -2,357,000 | -3,124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -311,000 | -1,553,000 | -2,357,000 | -3,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,090,000 | 4,849,000 | 4,046,000 | 3,278,000 |
| Total capital | 6,961,000 | 5,700,000 | 4,848,000 | 4,071,000 |
| Risk-weighted assets | 68,800,000 | 66,779,000 | 62,757,000 | 62,256,000 |