Call reports 2019
F & M BANK AND TRUST COMPANY — 2019
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 65,540,000 | 67,382,000 | 67,987,000 | 68,883,000 |
| Total loans | 44,529,000 | 47,056,000 | 45,343,000 | 44,955,000 |
| Allowance for loan losses | 522,000 | 522,000 | 470,000 | 430,000 |
| Securities available for sale | 2,685,000 | 2,519,000 | 2,422,000 | 2,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,566,000 | 60,207,000 | 60,743,000 | 62,721,000 |
| Interest-bearing deposits | 49,451,000 | 44,969,000 | 46,213,000 | 47,866,000 |
| Noninterest-bearing deposits | 11,115,000 | 15,238,000 | 14,530,000 | 14,855,000 |
| Equity capital | 3,333,000 | 3,389,000 | 3,399,000 | 3,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,498,000 | 2,247,000 | 2,993,000 |
| Interest expense | 129,000 | 254,000 | 398,000 | 561,000 |
| Net interest income | 608,000 | 1,244,000 | 1,849,000 | 2,432,000 |
| Noninterest income | 153,000 | 312,000 | 486,000 | 658,000 |
| Noninterest expense | 754,000 | 1,537,000 | 2,312,000 | 3,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 19,000 | 23,000 | 35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 7,000 | 19,000 | 23,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,435,000 | 3,447,000 | 3,450,000 | 3,463,000 |
| Total capital | 3,957,000 | 3,969,000 | 3,920,000 | 3,893,000 |
| Risk-weighted assets | 49,932,000 | 50,592,000 | 50,653,000 | 52,710,000 |
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