Call reports 2005
F&M BANK — 2005
What F&M BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 262,528,000 | 248,674,000 | 244,312,000 | 248,431,000 |
| Total loans | 109,270,000 | 114,270,000 | 113,796,000 | 111,988,000 |
| Allowance for loan losses | 1,585,000 | 1,618,000 | 1,214,000 | 1,354,000 |
| Securities available for sale | 112,354,000 | 115,171,000 | 110,953,000 | 114,887,000 |
| Securities held to maturity | 5,467,000 | 4,857,000 | 4,088,000 | 3,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,314,000 | 206,257,000 | 201,287,000 | 206,232,000 |
| Interest-bearing deposits | 197,873,000 | 183,096,000 | 177,619,000 | 179,585,000 |
| Noninterest-bearing deposits | 23,441,000 | 23,161,000 | 23,668,000 | 26,647,000 |
| Equity capital | 36,089,000 | 37,235,000 | 37,530,000 | 36,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,941,000 | 6,063,000 | 9,240,000 | 12,486,000 |
| Interest expense | 980,000 | 2,175,000 | 3,391,000 | 4,637,000 |
| Net interest income | 1,961,000 | 3,888,000 | 5,849,000 | 7,849,000 |
| Noninterest income | 281,000 | 506,000 | 773,000 | 1,009,000 |
| Noninterest expense | 1,210,000 | 2,386,000 | 3,583,000 | 4,894,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 240,000 |
| Pretax income | 1,002,000 | 1,948,000 | 2,949,000 | 3,724,000 |
| Income tax | 240,000 | 473,000 | 765,000 | 948,000 |
| Net income | 762,000 | 1,475,000 | 2,184,000 | 2,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,703,000 | 37,327,000 | 37,946,000 | 38,090,000 |
| Total capital | 38,288,000 | 38,945,000 | 39,160,000 | 39,444,000 |
| Risk-weighted assets | 137,284,000 | 138,177,000 | 137,156,000 | 138,753,000 |