Call reports 2025
F & M BANK AND TRUST COMPANY — 2025
What F & M BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 80,872,000 | 83,089,000 | 84,869,000 | 90,406,000 |
| Total loans | 57,069,000 | 58,733,000 | 57,650,000 | 63,243,000 |
| Allowance for loan losses | 660,000 | 675,000 | 690,000 | 705,000 |
| Securities available for sale | 5,222,000 | 5,106,000 | 5,110,000 | 5,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,805,000 | 75,734,000 | 75,096,000 | 76,343,000 |
| Interest-bearing deposits | 52,024,000 | 52,520,000 | 52,958,000 | 52,308,000 |
| Noninterest-bearing deposits | 23,781,000 | 23,214,000 | 22,138,000 | 24,035,000 |
| Equity capital | 4,695,000 | 4,956,000 | 7,014,000 | 7,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,456,000 | 3,674,000 | 5,034,000 |
| Interest expense | 282,000 | 564,000 | 870,000 | 1,158,000 |
| Net interest income | 941,000 | 1,892,000 | 2,804,000 | 3,876,000 |
| Noninterest income | 161,000 | 309,000 | 2,187,000 | 2,434,000 |
| Noninterest expense | 858,000 | 1,725,000 | 2,610,000 | 3,575,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 234,000 | 451,000 | 2,341,000 | 2,680,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 451,000 | 2,341,000 | 2,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,179,000 | 6,396,000 | 8,286,000 | 8,625,000 |
| Total capital | 6,855,000 | 7,087,000 | 8,992,000 | 9,346,000 |
| Risk-weighted assets | 65,402,000 | 68,777,000 | 66,988,000 | 77,299,000 |