Call reports 2009
F&M BANK — 2009
What F&M BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 266,618,000 | 269,099,000 | 274,731,000 | 290,422,000 |
| Total loans | 151,657,000 | 158,036,000 | 159,697,000 | 163,140,000 |
| Allowance for loan losses | 1,825,000 | 1,753,000 | 2,173,000 | 2,618,000 |
| Securities available for sale | 90,774,000 | 92,608,000 | 93,519,000 | 100,630,000 |
| Securities held to maturity | 658,000 | 659,000 | 659,000 | 205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,058,000 | 207,923,000 | 217,760,000 | 235,804,000 |
| Interest-bearing deposits | 183,700,000 | 182,827,000 | 193,668,000 | 211,949,000 |
| Noninterest-bearing deposits | 25,358,000 | 25,096,000 | 24,092,000 | 23,855,000 |
| Equity capital | 42,273,000 | 41,157,000 | 41,830,000 | 38,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,497,000 | 7,054,000 | 10,765,000 | 14,690,000 |
| Interest expense | 1,510,000 | 3,059,000 | 4,620,000 | 6,249,000 |
| Net interest income | 1,987,000 | 3,995,000 | 6,145,000 | 8,441,000 |
| Noninterest income | 296,000 | 646,000 | 1,016,000 | 934,000 |
| Noninterest expense | 1,643,000 | 3,395,000 | 5,211,000 | 7,143,000 |
| Provision for loan losses | 130,000 | 305,000 | 777,000 | 3,790,000 |
| Pretax income | 510,000 | 739,000 | 1,173,000 | -1,558,000 |
| Income tax | 106,000 | 112,000 | 182,000 | -856,000 |
| Net income | 404,000 | 627,000 | 991,000 | -702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,736,000 | 41,871,000 | 41,288,000 | 39,069,000 |
| Total capital | 43,561,000 | 43,624,000 | 43,461,000 | 41,502,000 |
| Risk-weighted assets | 166,414,000 | 175,319,000 | 181,887,000 | 195,152,000 |