Call reports 2011
F&M BANK — 2011
What F&M BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 321,380,000 | 319,333,000 | 314,788,000 | 305,811,000 |
| Total loans | 157,826,000 | 153,846,000 | 149,184,000 | 143,905,000 |
| Allowance for loan losses | 4,805,000 | 4,700,000 | 4,545,000 | 4,586,000 |
| Securities available for sale | 125,778,000 | 126,441,000 | 129,099,000 | 126,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,084,000 | 267,739,000 | 261,460,000 | 252,786,000 |
| Interest-bearing deposits | 246,502,000 | 244,453,000 | 237,012,000 | 228,343,000 |
| Noninterest-bearing deposits | 25,582,000 | 23,286,000 | 24,449,000 | 24,443,000 |
| Equity capital | 38,651,000 | 40,106,000 | 41,340,000 | 41,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 7,195,000 | 10,695,000 | 13,982,000 |
| Interest expense | 1,415,000 | 2,742,000 | 4,017,000 | 5,196,000 |
| Net interest income | 2,119,000 | 4,453,000 | 6,678,000 | 8,786,000 |
| Noninterest income | 339,000 | 689,000 | 953,000 | 1,046,000 |
| Noninterest expense | 1,921,000 | 3,802,000 | 5,536,000 | 7,418,000 |
| Provision for loan losses | 1,055,000 | 1,205,000 | 1,330,000 | 1,730,000 |
| Pretax income | -518,000 | 135,000 | 765,000 | 684,000 |
| Income tax | -288,000 | -135,000 | 8,000 | -211,000 |
| Net income | -230,000 | 270,000 | 757,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,268,000 | 38,768,000 | 39,257,000 | 39,394,000 |
| Total capital | 40,833,000 | 41,270,000 | 41,687,000 | 41,779,000 |
| Risk-weighted assets | 202,194,000 | 197,177,000 | 191,563,000 | 187,822,000 |