Call reports 2015
F & M BANK AND TRUST COMPANY — 2015
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 83,228,000 | 83,063,000 | 82,501,000 | 78,702,000 |
| Total loans | 54,256,000 | 54,184,000 | 53,243,000 | 52,791,000 |
| Allowance for loan losses | 1,274,000 | 1,226,000 | 1,198,000 | 1,192,000 |
| Securities available for sale | 5,207,000 | 6,686,000 | 6,831,000 | 7,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,754,000 | 74,423,000 | 74,179,000 | 70,956,000 |
| Interest-bearing deposits | 64,460,000 | 65,036,000 | 64,595,000 | 61,475,000 |
| Noninterest-bearing deposits | 9,294,000 | 9,387,000 | 9,584,000 | 9,481,000 |
| Equity capital | 3,890,000 | 3,755,000 | 3,626,000 | 3,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,830,000 | 2,638,000 | 3,434,000 |
| Interest expense | 131,000 | 256,000 | 384,000 | 508,000 |
| Net interest income | 662,000 | 1,574,000 | 2,254,000 | 2,926,000 |
| Noninterest income | 176,000 | 340,000 | 498,000 | 696,000 |
| Noninterest expense | 897,000 | 2,064,000 | 3,057,000 | 4,045,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -59,000 | -150,000 | -305,000 | -422,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -59,000 | -150,000 | -305,000 | -422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,890,000 | 3,649,000 | 3,664,000 | 3,547,000 |
| Total capital | 4,680,000 | 4,365,000 | 4,390,000 | 4,251,000 |
| Risk-weighted assets | 62,700,000 | 56,806,000 | 57,636,000 | 55,847,000 |