Call reports 2012
F&M BANK — 2012
What F&M BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 305,361,000 | 299,285,000 | 292,251,000 | 290,269,000 |
| Total loans | 141,297,000 | 135,369,000 | 132,680,000 | 132,443,000 |
| Allowance for loan losses | 4,607,000 | 4,319,000 | 4,136,000 | 3,572,000 |
| Securities available for sale | 123,506,000 | 124,099,000 | 126,908,000 | 121,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,958,000 | 245,470,000 | 237,721,000 | 235,645,000 |
| Interest-bearing deposits | 223,279,000 | 220,698,000 | 212,976,000 | 206,753,000 |
| Noninterest-bearing deposits | 28,679,000 | 24,772,000 | 24,745,000 | 28,892,000 |
| Equity capital | 41,622,000 | 42,342,000 | 42,998,000 | 43,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,244,000 | 6,323,000 | 9,355,000 | 12,280,000 |
| Interest expense | 1,080,000 | 2,056,000 | 2,976,000 | 3,806,000 |
| Net interest income | 2,164,000 | 4,267,000 | 6,379,000 | 8,474,000 |
| Noninterest income | 305,000 | 611,000 | 700,000 | 994,000 |
| Noninterest expense | 1,959,000 | 3,956,000 | 5,464,000 | 7,312,000 |
| Provision for loan losses | 531,000 | 831,000 | 1,106,000 | 1,106,000 |
| Pretax income | 77,000 | 212,000 | 666,000 | 1,207,000 |
| Income tax | -89,000 | -112,000 | -31,000 | -14,000 |
| Net income | 166,000 | 324,000 | 697,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,560,000 | 39,718,000 | 40,091,000 | 40,588,000 |
| Total capital | 41,777,000 | 41,713,000 | 41,983,000 | 42,796,000 |
| Risk-weighted assets | 187,977,000 | 182,914,000 | 176,546,000 | 175,257,000 |