Call reports 2006
F&M BANK — 2006
What F&M BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 246,367,000 | 239,040,000 | 238,985,000 | 244,912,000 |
| Total loans | 112,329,000 | 117,856,000 | 117,743,000 | 120,092,000 |
| Allowance for loan losses | 1,451,000 | 1,515,000 | 1,617,000 | 1,436,000 |
| Securities available for sale | 106,320,000 | 103,897,000 | 104,169,000 | 103,704,000 |
| Securities held to maturity | 3,055,000 | 2,810,000 | 2,509,000 | 2,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,225,000 | 196,856,000 | 194,441,000 | 200,064,000 |
| Interest-bearing deposits | 179,114,000 | 169,962,000 | 169,000,000 | 170,091,000 |
| Noninterest-bearing deposits | 25,111,000 | 26,894,000 | 25,441,000 | 29,973,000 |
| Equity capital | 37,057,000 | 36,954,000 | 38,559,000 | 38,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,309,000 | 6,669,000 | 10,196,000 | 13,768,000 |
| Interest expense | 1,283,000 | 2,627,000 | 4,075,000 | 5,592,000 |
| Net interest income | 2,026,000 | 4,042,000 | 6,121,000 | 8,176,000 |
| Noninterest income | 246,000 | 515,000 | 853,000 | 1,178,000 |
| Noninterest expense | 1,373,000 | 2,666,000 | 4,106,000 | 5,541,000 |
| Provision for loan losses | 82,000 | 202,000 | 322,000 | 442,000 |
| Pretax income | 817,000 | 1,689,000 | 2,546,000 | 3,371,000 |
| Income tax | 206,000 | 433,000 | 662,000 | 852,000 |
| Net income | 611,000 | 1,256,000 | 1,884,000 | 2,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,611,000 | 39,166,000 | 39,705,000 | 39,861,000 |
| Total capital | 40,062,000 | 40,681,000 | 41,322,000 | 41,297,000 |
| Risk-weighted assets | 139,046,000 | 141,986,000 | 140,638,000 | 142,926,000 |