Call reports 2022
F & M BANK AND TRUST COMPANY — 2022
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 85,120,000 | 83,154,000 | 77,816,000 | 74,905,000 |
| Total loans | 41,041,000 | 42,878,000 | 43,883,000 | 49,233,000 |
| Allowance for loan losses | 541,000 | 540,000 | 540,000 | 540,000 |
| Securities available for sale | 8,728,000 | 7,472,000 | 7,010,000 | 6,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,215,000 | 80,030,000 | 74,663,000 | 71,953,000 |
| Interest-bearing deposits | 54,812,000 | 53,319,000 | 48,629,000 | 46,817,000 |
| Noninterest-bearing deposits | 26,403,000 | 26,711,000 | 26,034,000 | 25,136,000 |
| Equity capital | 3,677,000 | 2,915,000 | 2,884,000 | 2,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,224,000 | 1,950,000 | 2,726,000 |
| Interest expense | 54,000 | 98,000 | 138,000 | 183,000 |
| Net interest income | 541,000 | 1,126,000 | 1,812,000 | 2,543,000 |
| Noninterest income | 116,000 | 396,000 | 519,000 | 645,000 |
| Noninterest expense | 615,000 | 1,438,000 | 2,174,000 | 2,931,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 84,000 | 157,000 | 257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | 84,000 | 157,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,312,000 | 4,354,000 | 4,427,000 | 4,527,000 |
| Total capital | 4,853,000 | 4,894,000 | 4,967,000 | 5,067,000 |
| Risk-weighted assets | 53,731,000 | 57,447,000 | 57,323,000 | 61,078,000 |