Call reports 2013
F & M BANK AND TRUST COMPANY — 2013
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 92,200,000 | 81,028,000 | 78,211,000 | 76,168,000 |
| Total loans | 51,187,000 | 49,161,000 | 50,790,000 | 51,908,000 |
| Allowance for loan losses | 2,028,000 | 1,978,000 | 1,940,000 | 1,800,000 |
| Securities available for sale | 9,559,000 | 3,918,000 | 3,682,000 | 3,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,656,000 | 72,130,000 | 69,512,000 | 64,791,000 |
| Interest-bearing deposits | 74,533,000 | 62,264,000 | 60,122,000 | 55,737,000 |
| Noninterest-bearing deposits | 10,122,000 | 9,866,000 | 9,390,000 | 9,054,000 |
| Equity capital | 3,040,000 | 4,716,000 | 4,381,000 | 4,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,668,000 | 2,463,000 | 3,285,000 |
| Interest expense | 314,000 | 634,000 | 893,000 | 1,129,000 |
| Net interest income | 553,000 | 1,034,000 | 1,570,000 | 2,156,000 |
| Noninterest income | 156,000 | 126,000 | 318,000 | 1,117,000 |
| Noninterest expense | 1,100,000 | 2,134,000 | 3,136,000 | 4,298,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -391,000 | -904,000 | -1,178,000 | -955,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -391,000 | -904,000 | -1,178,000 | -955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,887,000 | 4,769,000 | 4,496,000 | 4,720,000 |
| Total capital | 3,640,000 | 5,508,000 | 5,224,000 | 5,476,000 |
| Risk-weighted assets | 59,042,000 | 57,159,000 | 57,046,000 | 59,466,000 |