Call reports 2025
F&M BANK — 2025
What F&M BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 394,166,000 | 394,745,000 | 395,966,000 | 418,551,000 |
| Total loans | 247,972,000 | 258,033,000 | 266,493,000 | 276,122,000 |
| Allowance for loan losses | 4,557,000 | 4,636,000 | 4,538,000 | 5,182,000 |
| Securities available for sale | 98,271,000 | 97,514,000 | 98,627,000 | 98,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,135,000 | 336,883,000 | 335,271,000 | 356,150,000 |
| Interest-bearing deposits | 242,657,000 | 244,126,000 | 243,275,000 | 266,816,000 |
| Noninterest-bearing deposits | 94,478,000 | 92,757,000 | 91,996,000 | 89,334,000 |
| Equity capital | 47,368,000 | 48,096,000 | 51,633,000 | 53,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,783,000 | 11,643,000 | 17,709,000 | 23,853,000 |
| Interest expense | 1,499,000 | 2,975,000 | 4,422,000 | 5,961,000 |
| Net interest income | 4,284,000 | 8,668,000 | 13,287,000 | 17,892,000 |
| Noninterest income | 363,000 | 992,000 | 1,378,000 | 1,883,000 |
| Noninterest expense | 2,910,000 | 5,856,000 | 8,791,000 | 11,306,000 |
| Provision for loan losses | -120,000 | 10,000 | 570,000 | 1,220,000 |
| Pretax income | 1,606,000 | 3,543,000 | 5,355,000 | 7,300,000 |
| Income tax | 338,000 | 691,000 | 1,079,000 | 1,492,000 |
| Net income | 1,268,000 | 2,852,000 | 4,276,000 | 5,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,722,000 | 58,738,000 | 60,943,000 | 62,269,000 |